Pub. 8 2019 Issue 3

* Reciprocal deposits up to the lesser of $5 billion or 20% of a bank’s total liabilities are considered nonbrokered, subject to certain limitations. Use of the ICS and CDARS services is subject to the terms, conditions, and disclosures set forth in the CDARS-ICS Participating Institution Agreement and applicable Deposit Placement Agreements. Limits apply, and customer eligibility criteria may apply. ICS program withdrawals are limited to six per month when using the ICS savings option. Insured Cash Sweep and CDARS are registered service marks of Promontory Interfinancial Network, LLC. With Promontory Interfinancial Network’s Insured Cash Sweep ® and CDARS ® services, you get: • The power of a trusted, tested network - so you can enhance your ability to attract large deposits from local customers • Access to the largest bank network of its kind - so you can enjoy the largest bank and customer limits and the greatest flexibility either to keep deposits on balance sheet or to sell the excess for fee income • A partner to banks of all sizes - so you don’t have to worry that your provider will compete with you for deposits • A culture committed to outstanding customer service - so you can feel confident: 98% of banks surveyed by an outside research firm reported above average satisfaction with the company’s reciprocal deposit services (and 0 banks reported any level of dissatisfaction) • Nearly two decades of experience serving banks - so you benefit from the know-how and the marketing and operations support that comes from the inventor of reciprocal deposits (and thanks to the Economic Growth, Regulatory Relief, and Consumer Protection Act, the ability to classify most reciprocal deposits as nonbrokered * ) Talk to us today! Contact Lance Caldwell, Regional Director, at (866) 776-6426 x3487 or lcaldwell@promnetwork.com. TURN TO THE NATION’S #1 PROVIDER OF RECIPROCAL DEPOSIT SERVICES