Pub. 2 2014 Issue 3

www.reichandtang.com | bankinfo@rnt.com | 866-237-2752 Copyright 2013. All rights reserved. Flexible Funding Solutions Tailored to Meet Your Balance Sheet Needs • Decrease cost of funding with highly stable retail deposits • Strategically plan for short- and long-term funding needs • Utilize unique deposit structures to better match liabilities to assets Your liquidity needs will always change. Take control of your balance sheet with a solution that changes with it. Industrial Loan Companies: Maintain Decrease Increase Demand Deposit Marketplace SM (DDM) • Send Only —send excess deposits off balance sheet to earn fee income, improve capital ratios, and offer customers expanded FDIC insurance • Receive Only —take on additional deposits to fund loan demand and supplement your contingency funding plan • Reciprocal —offer customers expanded FDIC insurance without decreasing your deposit base • Reciprocal Plus/Minus —a reciprocal relationship that enables you to determine any ratio in which you would like to reciprocate deposits Copyright 2013. All rights reserved. Excess Liquidity Can Stress Your Banks Balance Sheet Turn excess liquidity into fee income with Demand Deposit Marketplace SM • Quickly generate fee income • Send excess deposits off balance sheet and improve capital ratios • Lower your FDIC assessment costs • Provide millions in FDIC insurance coverage Contact us to learn more about DDM’s other flexible deposit relationships: Send, Receive, Reciprocal, and Reciprocal Plus/Minus