Introducing DepositxChangeTM An FDIC Insurance Eligible* Cash Deposit Platform for the 401(k) Marketplace

FOR PROFESSIONAL USE ONLY

Mid Atlantic Trust Company (“MATC”) is pleased to offer the DepositxChange platform, which seamlessly connects 401(k) participants and banks to provide participants with a cash deposit alternative within their 401(k) account.

DepositxChange for Sponsors and Advisors

DepositxChange is a multi-bank cash deposit option that offers participants an FDIC eligible* deposit product as an alternative to money market funds, stable value products, and single bank deposits.

When plan sponsors and their advisors choose to offer MATC’s DepositxChange platform to plan participants, DepositxChange will be presented as a single addition to the plan’s investment menu with a single blended rate. DepositxChange will automatically manage the deposits across the banks in the program.

Each participating bank sets its own interest rate on DepositxChange. These interest rates are often greater than those offered by traditional money market mutual funds. Participating banks typically offer a formula based interest rate that resets on a scheduled basis, to ensure DepositxChange rates stay competitive in a changing rate environment.

As of December 1, 2015 these all-in rates, net of program expenses, range from 0.30% to 0.50%, compared to 0.05% presently from money market alternatives (see, Crane 100 Money Market Index. **) Current rates, APY and related information are available from MATC’s website.

From these net rates, DepositxChange can also offer revenue sharing at the election of the plan service providers. These fees are often retained as part of the service provider’s reasonable compensation or used to offset plan expenses.

Because these are bank deposits, each participant is eligible for up to $250,000 of FDIC Insurance* per bank. Depending upon market conditions, as many as 10 banks will be participating in the network, so that DepositxChange offers multiples of FDIC insurance as compared to single bank deposit alternatives.

Daily liquidity is available to participants. There are no minimums, no redemption restrictions, and deposits will not be affected by the regulatory changes impacting money market mutual funds over the coming years.

To assist the plan fiduciaries, MATC provides an online listing of DepositxChange banks with various data points to assist you in monitoring the program. Here you will find performance and other investment monitoring data used by many plan advisors to assist with investment selection and monitoring. Additionally, MATC provides participant fact sheets to help you with participant education and to fulfill your necessary regulatory disclosure requirements.

* See important disclosures regarding FDIC insurance, available from MATC and at www.fdic.gov.

** Additional information can be obtained by accessing http://cranedata.com/products/crane-index/

Securities offered through Mid Atlantic Capital Corporation, member FINRA/SIPC. Trust services offered through Mid Atlantic Trust Company, a registered non-depository trust company.

Mid Atlantic Capital Group 1251 Waterfront Place, Suite 510Pittsburgh, PA 15222-4236www.macg.com

Mid Atlantic is committed to helping you deliver first-class products to the

401(k) plan marketplace.

DepositxChange for Recordkeepers

DepositxChange fits seamlessly within your current operational environment. From a daily processing perspective, deposit programs process exactly like a daily accrual money market mutual fund. MATC handles all of the networked bank sub-accounting and allocations, so you have only a single position to process.

Each deposit program carries a unique security identifier, provided by MATC. You communicate the deposit and withdrawal information as normal purchases and redemptions in your existing trade file with MATC and the transactions will settle T+1 with the rest of your trading activity.

From a valuation and income perspective, you will receive a daily price of $1.00 with an accompanying accrual factor. On the last day of the month, the interest earned will be deposited to the plan’s account as a reinvested dividend. At this time you will receive a reinvestment record with accrual start and end dates so you can allocate the interest to the correct participants. And the best part is that DepositxChange will work within your existing processes with no necessary system changes.

DepositxChange for Bank Depositories

The DepositxChange platform allows you potential access to participant level deposits from over 50,000 retirement plans, representing millions of participants, serviced by MATC.

Cash options in retirement plans typically remain relatively stable, with incremental growth. The stability comes from the diversification across thousands of beneficial owners who are viewing the deposit generally as an allocated percentage of an overall investment plan. The incremental growth comes from the beneficial owners, in many instances, making automatic deposits each payroll period.

From an operations perspective, DepositxChange is simply one net wire a day between MATC and your institution. Then, on the last day of the month, just deposit the interest for that period based on your published rate. MATC, in conjunction with our recordkeeping partners will handle all of the participant level deposits/ withdrawals, income allocation, daily balance maintenance, and plan cost offset payments.

MATC deducts its platform administrative fees, as well as any revenue sharing elected to be retained or utilized to offset plan expenses by eligible plan service providers, from the gross interest rate provided by you, thus providing a simple net rate to the plan and its participants.

Mid Atlantic Trust Company 330 South Poplar Avenue

Pierre, SD 57501800-693-7800

www.macg.com