Which of the following is classified as a bonus under Regulation DD?

Under Regulation DD, a bonus is considered anything that is provided to a consumer in addition to the standard service or product offered by a financial institution. This regulation stipulates that bonuses must be clearly disclosed to the consumer and can include items that have value and are conditional upon meeting certain requirements.

A free safe deposit box for one year qualifies as a bonus because it represents an added value provided to the account holder, typically contingent on maintaining a specific account or balance. This kind of promotional offering aims to attract and retain customers, which aligns with the regulatory understanding of a "bonus."

In contrast, other choices do not meet the criteria set forth by Regulation DD. A discount on future services might be seen as a promotional offer rather than a direct bonus and does not provide immediate incentivization tied to account performance. A free monthly newsletter is more of an informational service rather than a tangible benefit or value-added service. Lastly, employee discounts on financial products apply specifically to staff members, which prevents them from being classified as bonuses offered to the general consumer base and instead relates to employment benefits.