The Advisors’ Trust Company® Zia Trust, Inc. Independent Corporate trustee 6301 Indian School Rd NE Suite 800 Albuquerque, NM 87110 Albuquerque • SAntA Fe • lAS CruCeS • Phoenix • tuCSon reciprocal deposits can qualify as non-brokered deposits under the law. • Superior to Listing Service Deposits: When compared to listing service deposits, reciprocal deposits can provide a more stable, relationship-based source of funding that is typically lower cost and less rate sensitive. The Value of Balance Sheet Flexibility Overall, using deposit placement networks provides meaningful flexibility for balance sheet management. Banks can keep funds on the balance sheet as reciprocal deposits or, alternatively, sell funds into their deposit network and earn fee income (while keeping the customer relationship).5 The ability to move funds on and off the balance sheet on demand can significantly reduce the need for community banks to turn away a valued depositor because of the deposit insurance limits, deepening relationships and giving banks greater control to meet their liquidity needs. Reciprocal deposits also provide a stable funding source to support lending while offering the agility needed to respond rapidly to changing market conditions. Using a reciprocal deposit network, banks can grow relationships and deposits from a local customer base without the added costs or tracking burdens associated with ongoing collateralization requirements, while still lending these funds locally. To learn more about how your institution can use reciprocal deposits to expand its lending capacity and strengthen its local community, visit www.intrafi.com/grow-reciprocal-deposits. Deposit placement through ICS is subject to the terms, conditions and disclosures in applicable agreements. IntraFi is not an FDIC-insured bank, and deposit insurance covers the failure of an insured bank. A list identifying IntraFi network banks appears at www.intrafi.com/ network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. SOURCES 1 “U.S. Community Banks: Holding up Well with Strong Asset Quality Despite CRE Exposures,” Morningstar, accessed Jan. 12, 2026, https://dbrs.morningstar.com/research/440556. 2 “Revealed: The Impact of Credit Union Acquisitions,” ICBA, last modified Dec. 1, 2025, https://www.icba.org/w/revealed-the-impact-of- credit-union-acquisitions. 3 Edward T. Kim, Shohini Kundu, and Amiyatosh Purnanandam, “The Economics of Market-Based Deposit Insurance,” published September 2024, https://www.fdic.gov/system/files/2024-09/kim-edward-paper- 091124.pdf. 4 S&P Call Report Data 5 With a depositor’s consent, the bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending. 17
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