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Scheduled System Maintenance

To keep things running smoothly we will perform system maintenance from April 26 at 10:00pm to April 27 at 5:00am Central Time.  Thank you for your patience.

Funds Management

Businesses often need to micromanage their funds, especially when they are in the middle of serious growth, but this process can be time-consuming and inefficient. With Sweep Services from Anchor Bank, you can ensure that there are ample funds in your business’ checking account to cover checks presented for payment and then utilize the excess funds on a daily basis.

Zero Balance Account (ZBA) Sweep

When your business uses a number of accounts to segregate money, a Zero Balance Account (ZBA) is the fastest, most cost-effective way to monitor your account balances.

How it works for you
A ZBA is a commercial checking account that is automatically maintained at a zero balance or a pre-designated balance of your choosing. Checks are written on or deposited to the ZBA. At the end of a business day your individual ZBAs are brought back to a zero balance by automatic transfers to or from your main commercial checking account at Anchor Bank. You can fund as many ZBAs as needed with this system.

A ZBA enables you to consolidate all excess cash in one company checking account to maximize use of your working capital. Anchor Bank can easily create a system for you, by establishing a ZBA for each company unit for which you maintain separate accounts or recordkeeping (i.e., subsidiaries, divisions or
sales outlets). It is also a great way to keep functional accounts, such as payables, receivables and payroll, separate from your regular accounts.

Key benefits to your business
• Saves money and time – Transfer of balances is automatic to ZBAs, which means administrative time spent making transfers and inadvertent overdrafts are reduced.
• Improved cash management – Balances from ZBAs are transferred to central account at end of each business day eliminating excess idle balances.
• Convenience – Individual divisions or locations deposit to and write checks on separate zero balance accounts.

With Anchor Bank's ZBA, you can reduce idle balances in each of your accounts, minimize excess balances, increase cash resources and reduce overdrafts.

Federated Sweep

A Federated Sweep is a simple and efficient process. When cash in your checking account exceeds an established threshold, this cash is automatically invested in a money market fund that offers competitive yields. When your checking account balance drops below the established threshold, the process is reversed and cash flows back from your money market fund into your checking account.

How it works for you
Depending upon your needs, the money can sweep between your checking account and any one of the following money market funds offered through Federated Securities Corp.:

• Prime Obligations Fund
• U.S. Treasury Cash Treasury Reserves Fund
• Government Obligations Fund
• Tax-Free Obligations Fund

For more complete information, visit www.federatedinvestors.com or contact your cash management specialist for prospectuses. You should consider the fund's investment objectives, risks, charges, and expenses carefully before you invest. Information about these and other important subjects is in the fund's prospectus, which you should read carefully before investing. Diversification does not assure a profit nor protect against loss.

Key benefits for your business
• Competitive yields – The primary reason customers open a Federated Sweep account is to get a potentially higher rate of return. The competitive yields offered by money market funds are typically higher than the interest earned on a savings or checking account. However, bank accounts are FDIC insured and offer fixed rates of return.
• Daily Dividends – Dividends are declared daily and paid monthly and can be automatically reinvested to compound the value.
• Diversification – Money market funds invest in a variety of securities, lessening the impact of fluctuations in any one security on your investment and thereby helping to reduce your risk.
• Professional Management – In their money market funds, Federated's goal is to preserve principal, maintain liquidity and maximize yield. They manage their portfolios with a conservative bias, avoiding speculative strategies and obscure financial instruments. Instead, they aim to achieve these goals by emphasizing stringent credit research and experienced portfolio management.

For more complete information, visit www.federatedinvestors.com or contact your cash management specialist for prospectuses.  You should consider the fund's investment objectives, risks, charges, and expenses carefully before you invest.  Information about these and other important subjects is in the fund's prospectus, which you should read carefully before investing.  Diversification does not assure a profit nor protect against loss.

Repurchase Sweep

Anchor Bank also offers a Repurchase Sweep option for larger companies with more strict financial guidelines and investment policies. A Repurchase Sweep is an automated service that moves any excess balances out of a checking account into a repurchase agreement and then back into the checking account whenever additional funds are needed.

Loan Sweep

Improving the productivity of your employees while effectively managing the cash position of your business is no easy task. Anchor Bank's Loan Sweep provides an automated, convenient and cost-effective way to maintain a target balance on deposits while minimizing your borrowing costs. As your cash position changes from day to day, our Loan Sweep responds automatically to your cash flow needs.

How it works for you
You have a choice between two types of sweep accounts. All you do is specify a target balance for your deposit account. We do the rest. Based on each day's account activity, funds are automatically transferred. As your cash position changes from day to day, Loan Sweep gives you the ability to respond immediately to cash flow needs through your primary deposit account.
• Two-way sweep – Two-way sweep moves funds between your business checking and your business line. If your checking account balance is less than the established target balance then funds are advanced on your line into the designated checking account. If the checking account balance is greater than the target balance, then funds are swept out of the designated checking account to pay down the line.
• One-way sweep – One-way sweep moves funds from your line of credit to a designated business checking account only. If the checking balance is less than the target balance, then funds are advanced on the line and deposited into the designated checking account only.

Key benefits to your business
• Eliminates overdrafts – Funds are automatically swept from your line of credit to your checking account as needed, avoiding costly overdrafts.
• Increases efficiency – Automated sweep means less monitoring, handling and forecasting of your daily cash position, making more efficient use of your staffs time.
• Minimizes interest expense – You pay the line automatically as your deposit balances dictate.

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