Our bank is not exposed to the risks associated with traditional commercial loans, nor are we in a position of low liquidity. By making only cash-secured loans to clients, we eliminate credit risks and the negative impact on earnings due to loan losses. Furthermore, our investment strategy minimizes exposure to any one regional market by broadly distributing investments across many geographic areas. We also increase depositor security by investing depositors' funds and the majority of our own equity to maintain adequate levels of liquidity. Focusing exclusively on institutional banking streamlines administrative processes and minimizes operational costs.

Our operating system provides 24-hour protection and 24-hour client access. It tracks account histories in real time and provides clients with a variety of account-viewing options. The system, used by several other large financial institutions, has been customized to meet Stanford-specific requirements.

Finally, for increased peace of mind, we carry several top-rated insurance policies to protect our operations.