Pub. 2 2014 Issue 4

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 www.reichandtang.com | bankinfo@rnt.com | 866-237-2752 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