¹When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the IntraFi Network Deposits, a participating institution can use the full amount of a deposit placed through IntraFi Network Deposits for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor’s consent to certain types of IntraFi transactions, the 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. Placement of funds through the IntraFi Network Deposits service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”).Limits and customer eligibility criteria apply. In the IntraFi Network Deposits savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before IntraFi Network Deposits settlement for a deposit or after IntraFi Network Deposits settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank).As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits satisfies those restrictions. IntraFi; the IntraFi logo; Bank Safe, Bank Smart; are registered service marks, and Network Deposits is a service mark of IntraFi Network LLC.