Programmes that require only finite periods of land management usually secure land management finance using a wasting endowment or trust fund (see below for a discussion of contingent payments) (DSE, 2012). Funds from the sale of biodiversity credits are then paid into the publicly managed BioBanking Trust Fund to establish the principal sum necessary to generate enough interest to cover the future land management costs. Any additional proceeds from the sale of credits are paid to the landowner as a lump sum. The landowner receives annual management payments from the Trust Fund to implement the management actions. In the US Compensatory Wetlands Mitigation scheme, the bank instrument - a broad agreement between the bank owners and regulators - is used to specify how an endowment fund will finance the bank over time (Treweek et al.,