Deposits/ Source of Funds

Check Deposits Credit Card Proceeds AFT Cash Concentration Direct Deposits Fed Fund Wires Received Interest and Dividend Income Sales of Securities

Money Market Balance

Excess Cash Sweeps daily into money fund or money market deposit Money Funds or money market deposits automatically used to cover payments

Portfolio CreditLine ^® Loan

Outstanding Portfolio CreditLine® loan automatically repaid from deposits Portfolio CreditLine used to cover any funding shortfalls

Payments / Use of Funds

Checkwriting Business FMA Platinum Credit Card Gold Debit Card Travel & Rewards Option AFT Payments FTPS/Direct Payment Bill Pay (via QuickBooks) Payroll Services (via ADP) Fed Fund Wires Paid Purchase of Securities

Business FMA offers a better solution for managing your cash flow.

Deposits and other sources of funds sweep daily into your designated money market fund or Insured Deposit Account^SM, an FDIC-insured money market deposit, to earn you a competitive rate of return. When payments are made from the account, they are automatically funded from available money market balances. If additional resources are required, a loan from your available Portfolio CreditLine is automatically extended up to the amount required. Your next deposits automatically repay any loan balance before sweeping into the money market option, so you never borrow more than you need.

Information on Smith Barney Business Client Services

For more information, please contact your Financial Advisor.