2024 Vol. 108 No. 6

Most reciprocal deposits are reportable as nonbrokered and can help strengthen your bank’s balance sheet. With IntraFi’s ICS® and CDARS® services, your bank can build loyal, local customer relationships and receive deposits that typically come in large-dollar increments. The inventor and largest provider of reciprocal deposit services, IntraFi provides high per-depositor and per-bank capacity, thanks to The Power of Many®−its unparalleled network of thousands of financial institutions. Discover how your bank, no matter its size, can benefit from reciprocal deposits in today’s competitive marketplace. Talk to us today about ICS and CDARS. Stable, Cost-Effective Balance Sheet Essentials RECIPROCAL DEPOSITS Use of an IntraFi service is subject to the terms, conditions, and disclosures in the applicable program agreements. Deposits placed through an IntraFi service that are placed at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. IntraFi is not an FDIC-insured bank, and deposit insurance covers the failure of an insured bank. A list identifying IntraFi network banks may be found at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. To meet the conditions for pass-through FDIC deposit insurance, deposit accounts that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. IntraFi, the IntraFi logo, ICS, IntraFi Cash Service, and CDARS are registered service marks of IntraFi LLC. Contact your Managing Director, Erich Buckenmaier | (866) 776-6426, x3354 | ebuckenmaier@intrafi.com www.intrafi.com GROW CORE DEPOSITS & FRANCHISE VALUE

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