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IDC Deposits Corp.

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IDC Deposits Corp.

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    2. Agenda Company Information Products MMAX Expanded FDIC Insurance Coverage Funding Program Target Account Fed Funds Sold Option Questions? Please Ask Anytime!

    3. Company Growth

    4. Company Information Founded in December 2003 IDC Headquarters: Atlanta, GA Operations Support: Miami, FL Regional Sales Office: Norwalk, CT Senior Management Team has Extensive Industry Experience Custodian -- Pacific Coast Bankers’ Bank

    6. No Fees to Your Bank, Use as Needed Increase Deposits and/or Fee Income Balance Sheet Management Free Up Collateral Easy Accounting FDIC Opinion on File Current Rate: Paying 1.15% The MMAX Account (For the CFO)

    7. Retain and Expand Your Retail and Commercial Customers Product Advantage/Avoid Rate Game Easy to Sell, Customer is Familiar with Money Market Accounts and FDIC Insurance Private Label The MMAX Account (For the Marketing Dept)

    8. MMAX Features & Benefits (For Your Customer) Full FDIC Insurance Coverage No Risk 6 Withdrawals per Month 24 (or 48) Hours Notice / Liquid Funds Confirmations & Monthly Statements Provided Not a Teaser Rate Settle Daily

    9. High Net Worth Individuals/Customers with Balances around +$100k Commercial Accounts HOA Management Companies Public Entities Foundations / Non-profits Escrow Accounts 1031 Tax Deferred Exchanges

    10. Operational Training Back Office Procedures Sales Training Turnkey Marketing Program Website Banners Advertisements Statement Stuffers Brochures Implementation & Support: Plan for Success

    12. Funding Solution Cost of Funds – 1.60% IDC Deposits’ Funding System Operates through a Money Market Account The Account is set up with the Bank Customer by our Custodian, Pacific Coast Bankers’ Bank The Account is the “Conduit” for all Funding and is simply another MMDA on the Bank’s Books The Amount of Funds Rebated Back to the MMAX Bank is Dependent upon the Liquidity in the System The Deposits are Classified as Brokered No CIP Issues

    13. Funding Solution Benefits Low Cost Funding Easy and Reliable - Simple Documentation No Collateralization Long Term Funding with Low, Adjustable Rates Contingency Liquidity – use it when you need it

    14. Regulatory Banks: Must be “Well Capitalized” Has a total risk-based capital ratio of 10.0% or greater, and Has a Tier 1 risk-based capital ratio of 6.0% or greater and has a leverage ratio of 5.0% or greater and is not subject to any written agreement, order, directive, or prompt corrective action directive issued by OCC. If “Adequately Capitalized”: must have applied for and been granted a waiver by the FDIC to accept, renew or roll over a brokered deposit. Subject to further rate restrictions. “Adequately Capitalized” has a total risk-based capital ratio of 8.0% or greater and a Tier 1 risk-based capital ratio of 4.0% or greater, and has a leverage ratio of 4.0% or greater, or a leverage ratio of 3.0% or greater if the bank is rated 1 in the most recent examination of the bank. Undercapitalized institutions may not accept, renew or roll over any brokered deposit.

    15. Regulatory CFR Title 12 Section 337.6 permits the acquisition of brokered deposits by qualified FDIC insured institutions. FDIC Manual of Examination: “The acceptance of brokered deposits by well-capitalized institutions is subject to the same considerations and concerns applicable to any other type of special funding. These concerns relate to volume, availability, cost, volatility, and maturities and how the use of such special funding fits into the institution’s overall liability and liquidity management plans. There should be no particular stigma attached to the acceptance of brokered deposits per se and the proper use of such deposits should not be discouraged.”

    16. Investing Excess Funds Fed Funds Sold Alternative Bank has excess funds and desires to invest in a highly secure and liquid instrument Expanded FDIC Insurance The funds are distributed to a network of banks, insuring full FDIC coverage Current Rate: Paying 1.15%

    17. Kimberly Weeks kim.weeks@idcdeposits.com President Institutional Deposits Corp. 6190 Powers Ferry Road, Suite 150, Atlanta, GA 30339 Dir. 770-627-9748 Ofc: 866-300-0847 Visit us at www.idcdeposits.com

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