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The sum, which needs final approval, is far lower than the $14bn the US had asked the bank to pay in September. That looming fine had caused concerns that a failure of the bank could pose a risk to the global financial system . The sale of residential mortgage-backed securities played a significant role in the 2008 financial crisis. Several banks in the US have been subject to investigations over allegations of giving mortgages to unqualified borrowers, then repackaging those loans as safe investments and selling the risk on to others. The probes related to deals done between 2005 and 2007. Under the settlement , Deutsche's payment will be made up of a civil penalty of $3.1bn as well as $4.1bn in consumer relief that will help US homeowners. Other banks which have been ordered to pay fines by the US Department of Justice include Citigroup which say its $12bn penalty reduced to $7bn. In 2013, JP Morgan Chase was fined $13bn following allegations it overstated the quality of mortgages being sold to investors and in the following year, Bank of America paid $16.7bn to settle similar charges. Goldman Sachs settled for $5.1bn in January this year.

This not only gives the elementary students an opportunity to have fun, while practicing important interpersonal skills, it also gives the middle school students a chance to help develop their leadership skills, she said. Knapp added that the second half of the day is spent visiting different sites throughout the community, and lending a helping hand. She said TMS has held Caring Day for several years. Knapp said Caring Day started out small, with middle school students working with elementary students. But the last couple of years, we thought we would take them out into the community, she said. Knapp said that last year, the students helped out at the Titusville Senior Center, as well as local stores, where they passed out candy canes and assisted shoppers with grocery items. She said students can chose from multiple activities, including collecting donations for Love INCs Backpack Program; doing games and activities with the residents of Southwoods; assisting the staff at the Fun Factory and the ECLC (Early Childhood Learning Center); cleaning local parks; shoveling sidewalks for random people throughout the community; and making Christmas treats for support staff members and the police and fire departments. Knapp said about 120 students participated in this years Caring Day, and they collected $150 for Love INCs Backpack Program. They learn the importance of civic responsibility, she said. Last year, they received such great responses. And, for Bryan Couts, technology education teacher, this was his first outing supervising the students during Caring Day. Couts took six students to the YWCAs Fun Factory, where they assisted the children on Thursday morning.

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