An Investment Sweep Account is an overnight investment service that is linked to your business checking account. A written agreement directs us to sweep, on a daily basis, excess checking account balances into overnight repurchase agreements that earn higher rates of interest. Our Sweep Account service maximizes your return on investment, assures liquidity and eliminates the manual tracking and transferring of investment funds.

FirstMerit's Automated Investment Sweep Account is a completely automated and collateralized overnight investment service designed to convert your excess demand deposit account dollars into interest earning dollars. This service enhances your business demand deposit account by paying daily interest on otherwise idle funds while maintaining 100% liquidity.

Each day, excess demand deposit collected dollars are transferred, above an optional minimum target amount, to the Automated Repurchase instrument. These funds are invested in overnight Repurchase Agreements that are collateralized by U.S. Government Securities and/or Agencies. This assures you high yielding assets and a safe return of your investment. A daily confirmation will provide you with specific details of the investment and security(s) used to fully collateralize the investment. Additionally, a monthly statement of all investment activity and collateral information is mailed. The minimum investment amount is $50,000 with investment increments of $5,000 thereafter.

• Maximize profits while eliminating need to monitor balances daily
• Prevents overdrafts and related charges caused by over-investing
• Provides safe and secure investment of funds

For additional information please call 1-800-644-6962 or send questions or requests for additional information to us at treasurymgmt@firstmerit.com.

A Line-of-Credit Sweep Account sweeps funds into your business checking account from your commercial line of credit if collected funds do not cover checks presented. In addition, if collected funds total more than the checks presented at the end of the business day, the collected funds automatically paydown the commercial line of credit.

FirstMerit's Automated Line of Credit Sweep provides the opportunity to minimize your company's borrowing needs and related expenses. A separate revolving credit line is established for your company's use. As your daily cash needs increase, all you do is write a check. As sufficient credit availability exists, the Line of Credit automatically funds the checking account to cover those checks as they are presented for payment. Conversely, any excess balances that remain in your checking account after all items are covered for payment will be automatically applied to your Line of Credit as a payment against your outstanding principal balances. All transfers to and from the checking account/Line of Credit are made in $1,000 increments.

The Automated Line of Credit sweep service may be used in conjunction with FirstMerit's Automated Investment Sweep. Utilizing both the Investment and Line of Credit Sweep allows you to maximize your return on funds and still enjoy the convenience of readily available credit.

• Eliminates time and inconvenience to request manual draw
• Prevents overdrafts or excess balances as well as provides maximum utilization of funds
• Reduces interest expense

For additional information please call 1-800-644-6962 or send questions or requests for additional information to us at treasurymgmt@firstmerit.com.