August 2008

IDES offers community banks the experience and back-office technical and administrative support needed for the community bank to offer a variety of escrow and cash management services to their clients. The services offered by IDES address opportunities that are infrequent for community banks and that do not justify staffing and increase in overhead. By outsourcing these products and services to IDES, on a revenue shared basis, the community bank will protect and control the relationship with the client and potentially retain a large portion of the deposits and/or revenue generated by the transaction. I nsured D eposits E scrow S ervices, I nc.

Escrow Services As Escrow Agent, IDES acts as neutral and independent third party and disburses the funds held in escrow once the terms of the escrow agreement have been complied with. Investment Options F.D.I.C., insured bank money market accounts. F.D.I.C., insured bank Certificates of Deposit. U. S. Government Securities and Agencies thereof. I nsured D eposits E scrow S ervices, I nc.

What We Offer Product training Technical Support Legal Support Insured Investments Accounting System Source of Funding Shared Revenue Confidentiality Client Protection What We Expect A strong alliance Senior contact person with the Bank Referrals Ability to make presentations to your clients Feedback on risks, opportunities and means of managing both.

I nsured D eposits E scrow S ervices, I nc. Types of Escrow Accounts Merger & Acquisition Litigation Real Estate Developer Financing Capital Fund Raising Global Trade Exchange Agent Collateral

I nsured D eposits E scrow S ervices, I nc. Know Your Customer Compliance IDES is committed to and will comply with all U. S. Government laws and regulations in connection with Know Your Customer, the Patriot Act, etc., including but not limited to requesting: Picture Ids. Banking References Copies of Articles of Incorporation and By-Laws Source of Funds Information And any other information that may be necessary in our effort to comply with the law.

I nsured D eposits E scrow S ervices, I nc. Oscar Suris Managing Director Bill Burdette Managing Director

I nsured D eposits E scrow S ervices, I nc. NEW OPPORTUNITY REFERRAL INFORMATION TO: OSCAR SURIS/BILL BURDETTE PHONE: or DATE: ____________ FROM/NAME: ____________________________________________________ TELEPHONE NUMBER: ____________________________________________ __________________________________________________________ BANK: ___________________________________________________________ OPPORTUNITY DETAILS CLIENTINFORMATION:______________________________________________________________________________ _________________________________________________________________________________________________ _________________________________________________________________________________________________ _________________________________________________________________________________________________ ATTORNEY(S) CONTACT INFORMATION:____________________________________________________________________________________ _________________________________________________________________________________________________ _________________________________________________________________________________________________ _________________________________________________________________________________________________ TRANSACTION DETAILS:_________________________________________________________________________________________ __________________________________________ ______________________________________________________________ _____________________________________________________________________________________________________________ _____________________________________________________________________________________________________________