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Public Funds Insured Deposit Program

MULTI-MILLION FDIC AVAILABLE  

Pulaski Bank has entered a strategic alliance with Deutsche Bank Trust Company Americas (DBTCA), a fully owned subsidiary of Deutsche Bank AG (DB), to provide an insured, money market deposit program for our custodial deposits:

• Daily liquidity and flexibility
• Competitive money market interest rates
• Diversification of assets
• Maximize safety of principal
• Financial strength
• Monthly statements (Detail & FDIC)

Liquidity and Flexibility
Through the Insured Deposit Program, Pulaski Bank offers the flexibility of daily liquidity, accounting, reporting and recordkeeping services to meet your disbursement needs.

Competitive Money Market Interest Rates
The Insured Deposit Program offers interest rates tracking the U.S. treasuries, the federal funds rate, LIBOR and other money market rates, depending on your specific needs.

Diversification
The Insured Deposit Program allocates your deposits to multiple well-capitalized banks. These banks are selected using key financial indicators for safety and soundness, which DBTCA monitors not less than quarterly. These key indicators include, but are not limited to, the asset size of the bank, the risk-weighted capital ratio, leverage ratio, and gross revenue ratio. If a participating bank falls below threshold levels for these indicators, the deposits will be withdrawn and the bank will be removed from the program.

Safety and Security
As part of our commitment to financial safety, Pulaski Bank takes a conservative approach when investing its deposit base, and carries an insurance policy that includes coverage for fidelity, transit loss, check and securities forgery, plus policies for loss of contents. We are FDIC-insured and hold a Banker's Professional Liability policy that covers errors and omissions.

Financial Strength
DBTCA is the contracting entity of the Deutsche Bank Insured Deposit Program. With over 1,300 employees and worldwide presence, DBTCA is a leading provider of clearing, cash management and securities services, catering to a diverse client base of corporate and financial institutions. As a fully owned subsidiary of Deutsche Bank, DBTCA is a regulated U.S. banking organization authorized to act as both administrator and intermediary bank for the program. DWS Scudder is the U.S. retail brand name of Deutsche Asset Management, the asset management division of Deutsche Bank. DWS Scudder acts as both distributor and service provider to the program. DB is a global banking and investment powerhouse dedicated to excellence, constantly challenging itself to deliver superior solutions for its clients. With over $1 trillion in assets and 13 million clients, DB is a strong, stable organization committed to the success of innovative services such as the Deutsche Bank Insured Deposit Program.

Public Funds Insured Money Market

The Public Funds Insured Money Market offers you no term, instant liquidity,a competitive interest rate, and full FDIC coverage on deposits larger than$250,000.

• Tiered interest rate structure: 
  • $250,000 and above
  • $0.01 to $249,999
• Minimum opening deposit.........................$10,000
• More than 6 withdrawals per month...........$20.00 each

Federal regulations limit you to no more than 6 debit transactions to thirdparties or to another account per monthly statement cycle.

Enrollment in the Insured Deposit Program requires a combined deposit relationship of $250,000. Interest is compounded and credited to the accountmonthly. Higher balances pay higher interest. Fees on interest bearing accounts may reduce earnings