QwickRate Partners with IDC Deposits to Offer Banks Money Market-Based Investment Product.

LAS VEGAS -- At the 2006 ICBA Annual Convention and Techworld, QwickRate, the largest non-brokered wholesale CD trading network for institutional buyers and sellers of certificates of deposit announced a strategic partnership with Institutional Deposits Corp. (SR) (IDC Deposits), which provides FDIC-insured financial institutions with an innovative and efficient way to gain reliable access to funds from large investors. The companies will offer community banks a short-term, FDIC-insured money market-based investment product.

"QwickRate's robust trading network expands our access to a larger customer base, and their longevity and trusted reputation amongst community financial institutions makes them the perfect partner for IDC," said Bill Burdette, president of IDC Deposits. "The product we are offering gives banks another funding option. Our joint goal is to facilitate a significant increase in deposits flowing into community banks."

Both companies offer the industry a diverse array of financial products. The money market product is an additional alternative that banks can use for funding. According to both companies, the money market option offered through this partnership comes in response to market demand.

QwickRate performed its due diligence prior to its selection of IDC as a partner. They wanted to ensure that the product they selected not only offered traditional money market characteristics at competitive rates but that it also had a proven track record.

"The IDC Deposits product is an idea whose time has come," said Kim Weeks, president of QwickRate. "Our members told us they would like to have a money market option, and IDC allows us to offer yet another option to our banks for alternative funding. IDC's unique patent pending Stay deposit enables us to commit money market funds for longer terms while still offering current market rates. Our banks can come to us for larger deposits at incredibly competitive rates. We look forward to leveraging this relationship to be an even bigger asset to the community financial industry."

About Institutional Deposits Corp.

Institutional Deposits Corp. (SR) (IDC Deposits), based in Miami, Fla., provides bank deposit management services for investors and banks throughout the U.S. with SunTrust Bank acting as custodian. IDC Deposit's unique, patent-pending, mechanism allows the retention of FDIC insurance for investors with a format that provides both competitive rates and a high level of liquidity. Banks benefit from this as an easy and efficient method of accessing stable funds through the programs offered by IDC Deposits.

For more information about IDC Deposits visit its Web site at www.IDCdeposits.com, write 2103 Coral Way, Suite 202, Miami, Fla. 33145 or call 866.724.4IDC (4432) or 305.856.4228.

About QwickRate

QwickRate is the largest non-brokered wholesale CD trading network for institutional CD buyers and sellers with an estimated $8 billion traded annually. QwickRate offers market participants the ability to buy or sell CDs directly without transaction fees. QwickRate's exclusive network empowers institutions to gain a distinct competitive advantage by assisting them to survey competitors, publish jumbo CD rates to qualified buyers and invest with other institutions.

For information visit www.qwickrate.com.

Note: The (SR) designation in the name of the Company indicates that the Company has modified its Articles of Incorporation to include in its "purpose" clause that it is committed to operate as a "Socially Responsible" business, respecting the rights of employees and vendors as well as the communities in which the Company does business and the environment in general.