Video Transcript:

Since 1974 we’ve had quite a bit of change and we’ve evolved into what we are today, which is a provider of FDIC Deposit Solutions.

DDM is simply a bank to bank deposit extended FDIC insurance product.

If one bank has a customer with funds and needs more the two-hundred and fifty thousand dollars in insurance, that bank sends us that customer. We then send those funds out to as many banks as necessary in increments of two-hundred and fifty thousand dollars to make sure that that original customer has all of their funds fully FDIC insured, and then send money back to that original bank from other customers in the network to insure that the banks who brought the customer in keep all the funding, but their customer ends up with significantly more than two-hundred and fifty thousand dollars in FDIC insurance.