Moneyflow, a California Corporation, was established with the specific goal of providing certificate-of-deposit investors simple Internet access to the marketplace of the more than 10,000 FDIC insured financial institutions across the nation.

Research indicated that fixed-income investors were aware that certificates of deposits may yield higher returns but believed the process of investing in CDs was cumbersome and time consuming. To meet the needs of those investors, Moneyflow created an investment process that is a simple, seamless and secure method for purchasing CD's. The process was broken down into three component agents: sales, placement, and custodian.

The Sales Agent, typically a financial institution or an NASD broker dealer, is responsible for all interactions in the sale of the CDs to investors. The Moneyflow Sales Agent software provides a number of key functions including:

• Matches terms requested by the investors to best available CD offering
• Provides portfolio accounting for both the CDs purchased through the Program as well as those purchased through other means (tracking of the CDs purchased outside the MoneyFlow system is necessary to protect the integrity of FDIC insurance coverage).
• Provides monthly statements and purchase confirmations. These documents can be printed and mailed to the client, retrieved by the investor or delivered via e-mail.
• Provides summary accounting for the sales agent of all purchase and maturity activities of investors. The sales agent settles daily with the custodian with only one wire.
• Provides automated transfers for investor accounts. Funds are transferred to and from sales agent's settlement account on a daily basis.

The Placement Agent software accommodates the needs of the many placement agents located around the United States gathering rates. The placement agents are responsible for calling financial institutions daily and updating the database. These placement agents are skilled at negotiating higher rates typically not available to the public by using our large investment volume. In addition, financial institutions utilize the placement software to view current rate trends and offer competitive rates through the MoneyFlow System.

The Custodian Agent is the hub of the MoneyFlow System. It is responsible for completing the purchase of the CD, collecting the interest due from the issuing financial institutions, paying interest to the investor and other participants, recovering maturing CDs, and finally, remitting the matured funds to the Sales Agent for the investor.