Demand Deposit Marketplace^SM

In today's market, community bankers are demanding more choice and flexibility. We make customer preference a priority. This is especially true with Demand Deposit Marketplace^SM (DDM). DDM is the only daily sweep program available that offers choice while providing a total balance sheet management solution proven to help community bankers better compete in a rapidly changing environment.

DDM is an automated, daily sweep service that enables banks to provide customers with expanded levels of FDIC insurance while having unmatched control over their liquidity and balance sheet needs with the choice of becoming a “Send”, “Receive”, “Reciprocal”, or “Reciprocal Plus” bank. Whether you need deposits, have excess liquidity, or want to maintain deposit levels while providing your customers with expanded FDIC insurance, DDM has a deposit relationship that is right for you.

Send Only	Receive Only	Reciprocal	Reciprocal “Plus”
Send Excess Deposits to Other DDM Banks Provide Expanded FDIC Insurance Generate Fee Income Mitigate Carrying Costs Shrink Balance Sheet	Take on Additional Deposits from Other DDM Banks Diversify Funding Sources Fund Loan Demand Strengthen Balance Sheet Supplement/Establish Contingent Funding Plan	Exchange Deposits with Other DDM Banks Provide Expanded FDIC Insurance Maintain Deposit Levels Daily Liquidity Ideal option for Public Funds (Municipalities)	Exchange Deposits with Other DDM Banks Provide Expanded FDIC Insurance Increase Deposit Levels Send Excess Deposits Back at Any Time Supplement/Establish Contingent Funding Plan

We invite you to compare us to any other provider using our DDM Comparison Grid.

Reich & Tang has built a reputation on offering the most flexible solutions tailored to meet its clients’ needs. Contact us to learn how Demand Deposit Marketplace^SM is the right choice for you in meeting your deposit and liquidity goals.