2) Timed Deposit Accounts - This is basically you making a loan to the bank where you give them say 100 bitcoins and agree to not withdraw them for 30, 90 days or longer, and in exchange the bank pays you a rate of return relative to the amount of time the deposit is for (1 month - 2% 3, month 5%, 6 month 7% etc.), the bank then looks at various projects and people who need loans, determines which ones are benificial and have a good chance of succeeding and therefore paying back the loan,
I very seriously considered offering TD's (Term Deposits) back in late Jan when i first found out about BC and joined the forum...back when BC was about 0.80 cents to the USD...lucky for me i didn't because with the subsequent exchange rate blow out i would of been in big trouble having to come up with the USD to buy BC to cover the interest payments.