4 tips to prepare for rising interest rates

An expected interest-rate hike is looming.

Get prepared for a rising-rate environment.

Avoid margin compression to your assets and liabilities from funding cost increases and net

interest margin declines.

RisingRates

Take action todayto mitigate interest-rate risk.

Do you want the opportunity to renew deposits maturing in the future at today’s historically low rates?

Forward-Starting advance.

Have certainty by locking in your rate today for tomorrow’s funding needs with a

Do you wantto cover current liquidity needs and have the option of borrowing more later with today’s low rate?

Lock in today’s rate on an advance and borrow at the same rate in the future, as needed, by doubling, tripling, or more with anExpander advance.

Do you wantthe security of protecting against margin compressionwhen rates rise by capping funding costs today?

Capped Floating-Rate, Non-Amortizing advance.

Have certainty by mitigating the risk of rising deposit cost and margin compression with a

Do you wantto protect amortizing assets from future margin compression?

Laddered advance strategy.

Get today’s lowest rates before they rise tomorrow by blending short- and long-term advances in a

Capped Floating-Rate, Non-Amortizing

Expander

Forward-Starting

Laddered advance strategy

Choose a product or combine products for a custom strategy to get prepared!

Member Services DeskMember.Services@fhlb.com

844.FHL.BANK (844.345.2265)

Contact

The material in this presentation is for informational purposes only. All viewers acknowledge that the presentation of this material (i) does not represent investment advice, (ii) does not constitute an offer to extend credit, a grant or subsidy, and (iii) does not constitute investment solicitation or an offer to buy securities. It is the sole responsibility of the user to check the accuracy of assumptions or other information contained in this presentation.

The terms and conditions related to FHLB Dallas products and services are governed by various agreements between FHLB Dallas and its members. Only member institutions and certain eligible financial institutions may transact business with FHLB Dallas.

Disclaimer:

Visit fhlb.com for more information.