Looking for a way to keep large deposits safe? Ask us about CDARS. It's a great solution for: Business, non profit organizations, public funds managers, trustees, financial advisors, individuals, and credit unions. One Bank, One Rate, One Statement.

With CDARS, you can receive up to $25 million in FDIC protection through Caldwell Bank. There are just few guarantees in life, and the FDIC insurance is one of them. CDARS can be a valuable cash management or longer term investment tool for you or your business.

Why CDARS?

	Safety - Your money can receive up to $25 million in FDIC insurance coverage
	Convenience - You earn one interest rate and receive one regular statement
	Community Investment - Your money can support lending opportunities in your community
	CD Level Rates - Your money earns CD-level returns

How does CDARS Work? We are members of a special network. When you place a large amount with us, we place your funds into certificates of deposit issued by other banks in the network - in increments of less than $100,000 so that both your principal and interest are eligible for complete FDIC protection. With help from a sophisticated matching system, we exchange deposits with other banks that are members of the network. These exchanges, which occur on a dollar-for-dollar basis, can bring the full amount of your original deposit back to our bank. As a result, we can make the full amount of your deposit available for community lending purposes.

What else should I know? Now, you no longer have to spend time managing multiple bank relationships, administering various interest rates, organizing interest disbursements from various sources, or manually consolidating monthly statements. This reduces your administrative burden, especially during tax and financial reporting seasons. And with CDARS, you can eliminate the need to monitor changing collateral values - another time saving convenience. Of course, your confidential account information remains protected. Ask us about how CDARS can work for you the next time you visit one of our branches or email us at cdars@caldwellbankandtrust.com for more information.

	Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with Caldwell Bank. The agreement contains important information and conditions regarding the placement of funds. Please read the agreement before signing it.
	This benefit applies to some, but not all types of CDARS transactions. Let us know if this benefit is important to you, so that we can explain the relevant terms and conditions in more detail CDARS is a registered service mark of Promontory Interfinancial Network, LLC.