CMS Case Study

Deposits360°® Cloyd Bank & Trust March 4, 2022

Confidential Page 3 of 6

The tool will also provide updated deposit study related activity elements such as open/closed accounts, declining balances, deposit concentrations (e.g. large balance accounts) and more.

Questions that arise regarding changes in behavior patterns can be readily answered by utilizing the on-line drill down capabilities of the tool. This component of the Deposits360°® tool will provide input for ongoing back-testing as well as the flexibility to adjust assumptions if warranted (with related support) for earnings simulations and economic value measures. 1.3 Deposits360°® Level 2: Customer Analytics Platform This proposal includes complete access to the Deposits360°® Customer Analytics Platform, which enables you to track a broad array of product, customer, relationship and branch related information, and corresponding deposit behavior patterns. DCG’s on-line Deposits360°® tool also integrates time deposit data to further enhance deposit related business intelligence and provide valuable insights for both tactical and strategic deposit initiatives. With a click of a button, the Customer Analytics Platform subscription enables your institution to: • Segment your deposit base by key characteristics (e.g. automatic bill pay), multi relationships, customer demographics, etc., • Track migration amongst non-maturity and time deposit products in general and at the customer level, • Measure success of new product introductions by quantifying cannibalization and the corresponding effect on the marginal cost of funds for promotional products and pricing strategy changes, • Improve deposit retention by analyzing deposit/customer attrition activity and trends, • Develop an early warning systems for identifying “at risk” customers • Drill down to the individual customer level to see deposit history by level and mix, • Identify funding concentrations and analyze key/large accounts and households • Analyze branch related deposit activity and relative contributions to deposit growth and mix, • Garner insights for pricing decisions and new product development, • Etc. With the existing and rapidly growing number of Deposits360°® Customer Analytics Platform users, we will be providing ongoing and expanded examples of how others are utilizing the tool to harvest valuable information.

DCG  260 Merrimac Street  Newburyport, MA 01950  978.463.0400  Fax: 978.465.6033  darlingconsulting.com