Business Investment Sweep Accounts^*

Maximize your interest income by sweeping funds from your checking account into an overnight investment vehicle. After credits and debits have processed and collected balances less target balance (if applicable) are determined, remaining collected balances in $1,000 increments are invested in one of the predetermined investment instruments listed below:

• First Citizens BancShares Master Notes
• US Government Repurchase Agreements
• Goldman Sachs Government Fund
• Goldman Sachs Tax-Free Money Market Fund

Features & Benefits of Business Sweep

• Account operates as a standard business checking account (unlimited withdrawals, deposits, etc.). Available funds are always invested.
• Automation of the daily investment function eliminates the need to manually transfer funds between accounts.
• Investment vehicles enable companies to earn highly competitive interest rates, preserve asset liquidity and minimize capital risk.
• The service increases investment income by earning interest on all eligible funds every night.
• Investment expertise is not required to participate.
• Investment costs are minimized.