%%What to Expect%% in your Partnership with Cambr

Kicking off your journey with Cambr

1. Onboarding Kick-off Call.
2. Due Diligence Completion.
3. Money and Data Movement Integration Test – confirm accuracy prior to sending funds.
4. Your Bank is ready to go live.

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Daily operations at a glance

• Your Bank delivers daily Balance file(s) for each Deposit Program to Cambr.
→ Cambr can seamlessly support thousands of programs.
• Cambr processes the Balance file(s) and calculates the net balance change.
• Cambr prompts initiation of the true-up amount, deposit or withdrawal, via Single Day Omnibus Transaction.
• Transaction settles to/from Custodian Bank, the Custodian Bank settles funds to/from Cambr’s Bank Network.
• Cambr maintains relevant books and records.

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Your monthly wrap-up

• Cambr sends fees to Your Bank fee account.
• Accounting team calculates and validates numbers.

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Need help with money and data movement?

Contact the Operations Team who oversees your daily processes.

Clients

July 8, 2025

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Cambr Solutions, LLC is a wholly-owned subsidiary of NBH Bank, which is owned by National Bank Holdings Corporation (NYSE: NBHC). Cambr is NOT a Federal Deposit Insurance Corporation (“FDIC”)-insured depository, bank or credit union and the solutions provided by Cambr wholesale funding are NOT, themselves, FDIC-insured products. Rather under Cambr’s programs, funds are swept or placed into deposit accounts at receiving institutions that are FDIC-insured, subject to program limits, and insured on a pass-through basis. Certain conditions must be satisfied for FDIC insurance coverage to apply to deposits held through an agent. FDIC deposit insurance only covers the failure of insured institutions. All of our services are provided subject to the terms and conditions of written agreements entered into between us and our client with respect to those programs, and we provide no representations or warranties, express or implied, except for those expressly set forth in those agreements.

A current list of insured depository institutions where funds may be placed can be found at Potential Bank List.

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