For Depositors:
The Interbank Deposit Network provides the safety of FDIC Insurance up to $10 million.

For Banks:
The Interbank Deposit Network provides a solution for banks to meet their needs for Reciprocal Deposits, Wholesale Funding, and/or Treasury Services. Whether you have excess cash reserves and are seeking secure high-yielding investments or your bank needs funds to meet loan demands, the Interbank Deposit Network provides high-yielding liquid funds backed by an experienced organization, proven technology and optimum security. It's simple and accessible 24/7 within the online Interbank Deposit Network.

Security - Daily Liquidity - Competitive Rates

The Interbank Deposit Network (IDN) can offer investors, corporations, and money managers a liquid investment alternative that combines No Risk (100% FDIC Insured) and High Yield. Now, Investors can enjoy a unique combination of high rates, daily liquidity, and FDIC insurance on deposits up to $10 million per account.

Features and Benefits

• Collateral - No collateral required for either depositors or banks.
• Security - Deposits are FDIC insured up to $10 million per account.
• Risk - No market risk - par value (dollar in/dollar out)
• Return - Depositors receive a fixed rate of return; interest rate is set each month.
• Interest - Interest accrues daily.
• Liquidity - Depositor funds are available when needed with no early withdrawal penalties.
• Yields - Compelling when compared to other short term investment opportunities.
• Ease of Use - Simplicity and security through standard internet technology.

Contingency Funding Plan

The Interbank Deposit Network (IDN) can provide a suite of Liquid banking services that support your Contingency Funding Plan needs by:

• Increasing your liquidity by eliminating pledged collateral
• Diversifying your funding sources
• Reducing your Cost of Funds
• Increasing your profitability through our alternative Treasury Service

In this current climate of increased regulatory oversight, the Interbank Deposit Network provides a cost-effective alternative that is fully FDIC Insured, liquid, has no set-up costs of any kind, and is very easy to use. IDN now offers the following services:

Reciprocal Exchange Deposit Program ℠

• A Network dedicated to serving in-state banks
• Available for both NOW accounts and MMDA
• Each bank retains its local depositor relationship
• $1 for $1 Exchange of Deposits
• No bond, broker or transaction fees of any kind

Treasury Services:

• FDIC Insured
• High yield
• Liquid

Wholesale Funding:

• Lower Cost of Funding
• Stable Deposits - Average 17 month retention
• Short-term rates/Long-term deposits
• No collateral or credit limits