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How Banks Work
| Type of Bank | Private: Family | Public: Transplants | Birth tissue procurement company |
| Cost to Parent | $1200 - $2000 first year cost | Free | Free |
| Cord Blood Owner | Parents | Bank | Bank |
| Who uses blood | Baby or immediate family | Unrelated transplant patients or Scientists | Cell therapy patients |
| How blood is used | Related transplants or Cell therapy | Unrelated transplants or Research or Discard | For-profit stem cell clinics |
| Income to Bank | Parents | Approx $30K per transplant paid via insurance or Sold for research | Patients |