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Pledging Pool

The GBA was selected by the State of Georgia to administer the Georgia State Pledging Pool Program. The Pledging Pool concept is a terrific alternative to the dedicated pledging method banks currently use.

Through the dedicated method of collateralizing, we found that banks were/are collateralizing their public funds by administering each fund separately and reporting on changes accordingly. Most often, banks overcompensate in this process to assure compliance with the 110% securitization requirements or under compensate due to the monitoring and administrative strains. Itís the same as setting loan loss reserves at double the requirements to assure safety in the absence of good close administrative management. Changes in the funds, rates, amounts and percentages require exact record-keeping to prevent under-compliance and excessive funding. The GBA program pools the securities, administers the record-keeping and audits the records regularly.

To learn more about the Georgia State Pledging Pool Program, please contact GBA's Kenyetta Parks at 404.420.2035.

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