Ceto and Associates Expands Ceto Cash Calculator; Fixed Delivery Schedules, Enhanced Administration Features, Intuitive Designs Maximize Cash Management.

ATLANTA -- Ceto and Associates, a national consulting firm providing revenue enhancement solutions for the financial industry, announced the expansion of Ceto Cash Calculator (C3), a vault cash management tool, to enhance functionality and meet growing industry demand.

C3 enables branch managers to effectively manage daily branch and ATM cash levels to increase profitability by freeing up excess non-interest earning vault and ATM cash. The expansion will offer new features, including:

--A fixed delivery feature that conforms to a financial institution's currency replenishment schedule to ensure maximum efficiency levels while providing proper quantities of each cash entity;

--Improved error reporting to better identify cases of failed data validation;

--Alerts that signal new cash parameters to ensure a more fluid management of region, branch and ATM operations; and

--An enhanced menu and navigation system that provides visual cues and a more intuitive format for ease of use.

"With the Federal Reserve interest rate at five percent, overestimating cash needs is no longer an error on the side of safety, but an opportunity cost," said Douglas Ceto, executive vice president of Ceto and Associates. "C3, combined with Ceto's veteran consulting team, enables institutions to produce results that make money by freeing up non-interest earning funds to place into interest earning opportunities. We continually seek our client's feedback to better the system and provide upgrades that serve everyone involved in the process, from executive management to retail branch managers."

C3 analyzes historical data to predict the amount of cash that a financial institution needs on hand at any give time. Plotting cash usage determines an institution's target cash levels and maximizes the value of the newly created earning assets. Concurrently, fixed costs associated with deliveries and shipments make it cost-effective to achieve an optimum order quantity, number and amount of deliveries and shipments per month. Ceto clients who have implemented C3 have decreased vault cash levels 15 percent on average, while significantly improving internal operations and cash control. The Web-based solution also allows executive management to determine appropriate cash levels to support the differences in teller, vault and money center operations of any sized financial institution.

Ceto's solutions are constantly evolving to ensure efficiency with fluctuating interest rates and changing regulations.

About Ceto and Associates

Founded in 1994 as a national consulting firm in the financial industry and headquartered in Atlanta, Ceto and Associates specializes in developing solutions to provide financial institutions the ability to increase profitability through the implementation of revenue enhancement programs. Ceto and Associates places their clients' needs in the forefront and designs solutions tailored to their culture, goals and objectives. Ceto and Associates has earned the trust and improved annual revenues of more than 900 financial institutions across 50 states. For more information about Ceto and Associates, please visit their Web site at www.ceto.com.