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Footnote numbers corresond with CDARS information on the business banking pages of this website.

1 Consult with your Avenue Banker.

2 If you are subject to restrictions with respect to the placement of funds in depository institutions, it is your responsibility to determine whether the placement of your funds through CDARS satisfies those restrictions.

3 Because deposited funds are exchanged on a dollar-for-dollar basis with other banks in the network, we can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors' local investment goals/mandates.  Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other banks.  Under these circumstances, deposited funds would not be available for local lending.

4 Please consult with your auditor to determine how CDs should be reported.

Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us.  The agreement contains important information and conditions regarding the placement of funds by us.

CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.

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