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Ask us about CDARS. It's a great solution for: businesses, nonprofit
organizations, public funds managers, trustees, financial advisors,
individuals, credit unions, and IRAs.

	What is CDARS?  It’s the Certificate of Deposit Account Registry Service®, and it’s the most convenient way to  enjoy full FDIC protection on deposit amounts larger than $100,000 through Orange County Trust Company.  There are few guarantees in life - FDIC insurance is one of them. CDARS can be a valuable cash management or longer-term investment tool for you or your business.1
	Why CDARS? It's one-stop shopping. With help from CDARS, you can access:    - Safety - Your money can receive up to $50 million in       FDIC insurance coverage.    - Convenience - You work directly with us. You earn one       interest rate and receive one regular statement.       Individual investors receive one year-end tax form.    - Community Investment - The full value of your money       can support lending opportunities in your local community.2   -  CD-Level Rates - Your money earns CD-level returns       which may compare favorably with other investment       alternatives, including Treasuries, corporate sweep       accounts, and money market funds.
	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.          

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

2   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.