We realize that Community Banks are exploring opportunities to diversify their deposit base through sizable, stable and committed funding opportunities at attractive fixed/floating terms, besides seeking better regulatory treatment of capital through reciprocal arrangements with other banks.

In addition, Community Banks are discovering the potential of securities-based lending as an opportunity to extend the value they offer clients and grow this segment of their business.

To maximize profit opportunities Community Banks can deploy a funding strategy that leverages cost effective FDIC-insured deposits to fund securities-based loans.