Corporate Headquarters

Liquidity Management
Team, LLC

39 Broad Street, Suite 203
Charleston, SC 29401
USA

Phone: (843) 727-2050
Email Inquiries:
info@lmtliquidity.com

Deposit Rates

Product APR APY Min
Deposit 		Effective
Date
Tier 1 0.30% 0.30% $100,000 5/01/12
Tier 2 0.35% 0.35% $2,000,000 5/01/12

For Depositors:

The LMT Deposit Network provides the safety of FDIC Insurance up to $10 million.

For Banks:

The LMT Deposit Network provides a solution for banks to meet their needs for Reciprocal Deposits, Wholesale Funding, and/or Treasury Services. Whether you have excess cash reserves and are seeking secure high-yielding investments or your bank needs funds to meet loan demands, the LMT Deposit Network provides high-yielding liquid funds backed by an experienced organization, proven technology and optimum security. It's simple and accessible 24/7 within the online LMT Deposit Network.

Types of Depositors

State pension funds, clerks of the courts, local government bodies, non-profits, corporations, trust banks, institutional money managers, high-net worth individuals, retirees, to name a few of the type of depositors that are taking advantage of the security and rates the LMT Deposit Network offers to depositors.

Security - Daily Liquidity - Competitive Rates

The LMT Deposit Network can offer investors, corporations, and money managers a liquid investment alternative that combines No Risk (100% FDIC Insured) and High Yield. Now, Investors can enjoy a unique combination of high rates, daily liquidity, and FDIC insurance on deposits up to $10 million per account.

Features and Benefits

  • Collateral - No collateral required for either depositors or banks.
  • Security - Deposits are FDIC insured up to $10 million per account.
  • Risk - No market risk - par value (dollar in/dollar out)
  • Return - Depositors receive a fixed rate of return; interest rate is set each month.
  • Interest - Interest accrues daily.
  • Liquidity - Depositor funds are available when needed with no early withdrawal penalties.
  • Yields - Compelling when compared to other short term investment opportunities.
  • Ease of Use - Simplicity and security through standard internet technology.

Contingency Funding Plan

The LMT Deposit Network can provide a suite of Liquid banking services that support your Contingency Funding Plan needs by:

  • Increasing your liquidity by eliminating pledged collateral
  • Diversifying your funding sources
  • Reducing your Cost of Funds
  • Increasing your profitability through our alternative Treasury Service

In this current climate of increased regulatory oversight, the LMT Deposit Network provides a cost-effective alternative that is fully FDIC Insured, liquid, has no set-up costs of any kind, and is very easy to use. LMT Deposit Network now offers the following services:

Reciprocal Exchange Deposit Program ℠

  • A Network dedicated to serving in-state banks
  • Available for both NOW accounts and MMDA
  • Each bank retains its local depositor relationship
  • $1 for $1 Exchange of Deposits
  • No bond, broker or transaction fees of any kind

Treasury Services:

  • FDIC Insured
  • High yield
  • Liquid

Wholesale Funding:

  • Lower Cost of Funding
  • Stable Deposits - Average 17 month retention
  • Short-term rates/Long-term deposits
  • No collateral or credit limits