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Evaluating the New Direct Standby Fluctuating Balance Letter of CreditLetters of Credit White Paper Evaluating the New Direct Standby Fluctuating Balance Letter of Credit With the introduction of the Direct Standby Fluctuating Balance Letter of Credit (LOC), members have a new way to collateralize public unit deposits. Which Standby LOC is right for your institution? Standby Letter of Credit Product SpotlightLetters of Credit Video/Webinar Standby Letter of Credit Product Spotlight In our two-part video series, hosted by Member Relationships Director Brad Spears, we demonstrate the value of the Letters of Credit (LOC) opportunity for our members along with a variety of case studies to show how members benefit from FHLB Des Moines LOCs. The Letter of Credit OpportunityLetters of Credit Video/Webinar The Letter of Credit Opportunity Explore the balance sheet benefits and variety of applications for an FHLB Des Moines Letter of Credit in this 60-minute webinar presentation. Expanded Opportunities for Letters of CreditLetters of Credit Article Expanded Opportunities for Letters of Credit While FHLB Des Moines Letters of Credit are commonly used as an attractive alternative to pledging securities for public unit deposits, an LOC can serve a variety of purposes.