Your cash works harder.

Every day, cash is automatically invested, and yields are often higher than those offered by banks. The Business FMA^® Account lets you control your cash flow, maintaining liquidity to meet immediate business needs, or investing longer-term for potentially higher yields.

Managing your cash is easy.

You have unlimited access to your cash with checkwriting and the business owner's Business FMA debit card. You also have the ability to transfer funds, pay bills automatically and facilitate purchases by key employees with the Business FMA Platinum MasterCard ^® Credit Card.

Everything is in one place.

You have one account, you work with one Financial Consultant and one financial institution. You receive one monthly statement with all account activity detailed and summarized, including all checking and card transactions. You can also access your account online -- on the Internet or through downloads to your QuickBooks^® software. At year-end, one report summarizes all your account activity for the full year, including checks, card transactions and investments.

Administration is simple.

Smith Barney's strategic alliance with ADP^® offers Business FMA Accounts preferential pricing for administration of payroll, payroll taxes and benefits. In addition, Citibank Merchant Services can equip your business with the ability to accept major credit and debit cards. Credit for those transactions is automatically transmitted into your Business FMA Account, and the alliance of Citibank and Smith Barney provides preferential pricing to Business FMA Account holders.

Professional advice.

Your Business Financial Management Account not only gives you the personal attention of a Smith Barney Financial Consultant, but also access — as you need it — to information and advice from Smith Barney's experts in such areas as retirement planning, estate and trust issues, and insurance.

Information on Smith Barney Business Client Services

For more information, please contact your Financial Advisor.