Institutional > Underwriting Capabilities - Coming Soon

Bonds.com, Inc. has created an automated funding process to offer a simpler solution for banks and thrifts nationwide. We offer a centralized exchange to transact and distribute CDs to both institutional and individual investors in the brokered CD market place. Bank and thrift issuers can independently create and then distribute competitive rate new issue CDs to our customers.

Basics of Brokered CDs

  • Brokered CDs offer financial institutions a reliable and inexpensive funding alternative.
  • Brokered CDs are issued by banks via a "master CD" to Bonds.com, Inc., who, in turn, sell interests in the master certificate to institutional and individual investors.
  • Bonds.com, Inc. will provide a clear view of the market environment and offer competitive pricing and superior execution. Our experience in the CD distribution market will enable us to help structure your institutional borrowing needs into competitive investment products for distribution to individual and institutional markets.
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Advantages of Brokered Deposit Market

  • National marketplace allows issuers to access a customer base who use bank diversification to realize the safety of FDIC insurance.
  • Capture deposits of individuals and institutions that might otherwise not place deposits with your institution.
  • Shortened funding period allows banks to quickly capture deposits and meet loan demand in a timely fashion.
  • Variety of structures help institutions better match assets.
  • Access to secondary markets.
  • Assures the CD owner of liquidity should funds be withdrawn prior to maturity.
  • Issuers are able to insulate themselves from an erosion of deposit base due to early withdrawals.
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Advantages of Bonds.com, Inc.

  • The CD distribution network will consist of credit unions, banks, individual customers, municipalities, trust departments, RIAs, and insurance companies.
  • Bonds.com, Inc. handles all paperwork, removing the burden from the issuer.
  • When a customer buys a certificate of deposit, the transaction will be processed in real time so that the bank will know how much money they are raising instantly. The customers’ account will be updated accordingly.
  • As soon as the first ticket for the new issue is entered, a series of automated processes occur. The processes include the creation and filing of required documentation, the customer account is updated, and if linked, the bank balance sheet updated. The automation adds value by reducing and organizing the paperwork required for the issuing institution. This will be a first in the industry.
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Cost Advantages of Brokered Deposits


  • Brokered individual deposits require no regulatory registration.
  • There is no collateral commitment.
  • Inexpensive funding source due to a competitively priced market.
  • Minimal documentation expense. One certificate is filed, one account is set up and one wire payment is made on coupons and final maturity.
  • No hidden or additional marketing costs.
  • A competitive alternative to other funding methods such as Federal Home Loan Bank advances, financial institution borrowing, brokers and subscription rate services.
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Structuring Flexibility


  • Non-Callable or bullet is the most common type of structure and they are similar to the type of deposits customers typically make at their local banks. Maturities typically range from three months to ten years and Coupon payments are fixed throughout the life of the issue and interest payments may be made semi-annually, monthly, quarterly or at maturity.
  • Callable issues are structured using swaps and allow the bank to realize cheaper funding through a floating rate interest payment using LIBOR based swaps. Maturities typically range from one to twenty years and coupon payments can be fixed, step-up or floating.
  • Zero Coupon structures are available for both callable and non-callable structures. The purchaser pays a discounted dollar amount on an issue that over the life will accrete to par.
  • Market Linked CDs offer the investor the opportunity to take advantage of principal protection intrinsic to a certificate of deposit while allowing the customer to participate in a portion of the returns offered by various market indices.
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For more information contact:

The Bonds.com, Inc. CD Underwriting Desk

Via phone: 1-888-BONDS-08

Via email: CDUnderwriting@Bonds.com


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