Business Cash Management Service

First Heritage Bank has specifically developed a comprehensive program to maximize your organization’s daily funds position through use of our Cash Management Services.

First Heritage Bank's Insured Cash Sweep (ICS) service utilizing reciprocal deposits is designed to address the investment needs of your business when you have excess funds, allowing you to maximize your investment potential with a convenient, efficient, and fully secured product.

Each business day, depending on an agreed upon calculated ending account balance, the bank will automatically:

• Advance to or pay off a line of credit or
• Sweep excess funds for investment to a reciprocal deposit network

First Heritage Bank's Customized Credit Facility is designed to address the borrowing needs of your business when you need access to funds on a timely basis. Imagine never having to pass up a valuable trade discount, or being able to actively manage your business’s accounts payable so you can minimize your interest expense.

By using First Heritage Bank's Cash Management Service, we will help you utilize any excess balances you would normally have in your account. The result is that the bank will help you:

• Minimize your borrowing requirements
• Maximize your investment position

First Heritage Bank's Cash Management Services will transform your Business Checking Account into a valuable asset that drives your cash flow management, providing a significantly more profitable banking relationship by approaching your business from your perspective. Contact us for details today!

Placement of funds through the ICS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement. Limits and customer eligibility criteria apply. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount ("SMDIA"), a depositor's balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS settlement for a deposit or after ICS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the Deposit Placement Agreement, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on the placement of funds, the depositor is responsible for determining whether its use of the ICS service satisfies those restrictions. ICS and Insured Cash Sweep are registered service marks of Promontory Interfinancial Network LLC.

FOR DETAILED INFORMATION ABOUT ANY OF OUR ACCOUNTS, PLEASE CONTACT US FOR A COMPLETE ACCOUNT DISCLOSURE.