Stifel Prestige Accounts

1 Stifel Prestige AccountsMaximize theEfficiency of Your Assets The Stifel Prestige Accounts To meet the special needs of our clients, Stifel Nicolaus has created the Stifel Prestige Accounts . These Accounts offer an effective way to manage all your assets from your brokerage account , money market account , and checking account . With the Stifel Prestige account and the Stifel PrestigePlus account , you have the account that matches your complex financial needs. You select the account that is right for you!* Statement is monthly with account activity.** To find a convenient MoneyPass ATM location, visit and access the MoneyPass ATM locator.

2 Stifel Prestige account Stifel PrestigePlus account No Monthly Fee Monthly Fee See Fee Schedule (enclosed) Minimum initial cash deposit of $1,000. Minimum initial deposit of $10,000 in any combination of cash or marginable securities A choice of 7 different money market funds, A choice of 7 different money market funds, including a taxable, tax-exempt, or government including a taxable, tax-exempt, or government money market mutual fund, or an FDIC-Insured money market mutual fund, or an FDIC-Insured Bank Deposit Program. Bank Deposit Movement Daily sweep. Daily Funds Easy Access to Check writing privileges with no minimum Check writing privileges with no minimum Assets and check amount and convenient check expense check amount and convenient check expenseExpense Tracking recording, including 18 expense categories and recording, including 18 expense categories and 9 personal expense codes.

3 9 personal expense Higher Level of Quarterly account Statement, Monthly account Statement, which Communication includes an account valuation, a gain and loss summary,1 cost basis,1 annual expense summary, householding, and a year-end account Protection $150 million in account protection. $150 million in account Debit MasterCard with a daily Debit MasterCard with a daily point-of-sale limit of $5,000 and ATM limit point-of-sale limit of $9,999 and ATM limit of $500. of $1,000. Surcharge-free ATMs available on Surcharge-free ATMs available on the MoneyPass nationwide network** the MoneyPass nationwide network** Smart Shopper benefits.

4 Smart Shopper benefits. MasterCard SecureCode . MasterCard SecureCode . FraudWatch Plus. FraudWatch Plus. Stifel @ccess offers the ability to view Stifel @ccess offers the ability to view Accounts at home via the Internet using a PC. Accounts at home via the Internet using a PC. Stifel Awards program that offers points to be usedPrestigePlus toward travel, car rental, gift cards, and hotel Adds These Concierge Service offering the privilege of Conveniences having your own concierge available 24 hours a day, 7 days a week. Automatic bill payment using the Internet and a PC.

5 Travel and insurance benefits. which includes account valuation and activity for the quarter,* a gain and loss summary,1 cost basis,1 annual expense summary, householding, and a year-end Market Investment ChoicesOrganizing Your AssetsIf you re like most people, you spend too much time keeping track of your assets.* These services are available only with a Stifel PrestigePlus have a checking account here, savings account there, and money market fund Accounts somewhere else. And that s only the to that the brokerage Accounts and the credit card Accounts , and, by the end of the month, you will have a pile of statements to study and reconcile.

6 What s more, you may have to scramble to make sure there s enough cash in your checking account for example, to cover your credit card transactions without having to transfer funds from another account and possibly losing the interest that might otherwise have been , at tax time, you ll probably have to dig through all those records again, looking for information needed to complete your Stifel Nicolaus Financial Advisor now offers a better idea. It s called the Stifel Prestige Accounts , and they combine the services and benefits usually requiring several financial institutions all in one consolidating your various financial Accounts into one package, the Stifel Prestige Accounts put you in charge of your assets.

7 Thanks to the streamlined orderliness of your Stifel account , you will be able to manage your daily finances as part of an overall financial program, while maintaining access to your Stifel Nicolaus Financial Advisor will help you make the most of your Stifel Prestige account assessing and fine-tuning your financial strategies for the longer you open your Stifel Prestige account , you have a choice of one of several Dreyfus Money Market Funds and an FDIC-Insured Bank Deposit Program. Each of these investments offers current income at competitive rates while providing a degree of safety and liquidity consistent with your Stifel Prestige account investment MONEY MARKET FUNDSG eneral Money Market Fund Class BInvests in a diversified portfolio of high-quality, short-term money market obligations, including securities issued or guaranteed as to timely payment of principal and interest by the Government or its agencies if held until maturity, time deposits, certificates of deposit, bankers acceptances, repurchase agreements, asset-backed securities, high-quality domestic and foreign commercial paper.

8 And other short-term corporate obligations. The Fund seeks to maximize current income consistent with the preservation of Government Securities Money Market Fund Class BInvests entirely in securities issued or guaranteed as to timely payment of principal and interest by the Government or its agencies or instrumentalities if held until maturity, including Treasury securities as well as repurchase agreements. The Fund seeks to maximize current income consistent with the preservation of capital and the maintenance of Treasury Prime Money Market Fund Class BInvests only in securities issued or guaranteed as to principal and interest by the Government.

9 The fund seeks as high a level of current income as is consistent with the preservation of capital and the maintenance of liquidity. Dividends paid which are derived from Government-guaranteed obligations currently are exempt from state personal income Municipal Money Market Fund Class BInvests primarily in Municipal Obligations, the interest from which is exempt from Federal income tax.* Municipal Obligations generally are classified as general obligation bonds, revenue bonds, and demand notes. The Fund seeks to maximize current income exempt from Federal income tax consistent with the preservation of capital and the maintenance of California Municipal Money Market Fund Class BInvests primarily in California Municipal Obligations, the interest from which is exempt from Federal and the State of California income taxes.

10 * The Fund seeks to maximize current income exempt from Federal and State of California income taxes consistent with the preservation of capital and the maintenance of New York Municipal Money Market Fund Class BInvests primarily in New York Municipal Obligations, the interest from which is exempt from Federal, New York State, and, for certain investors, New York City income taxes.* The Fund seeks to maximize current income exempt from Federal, New York State, and New York City income taxes consistent with the preservation of capital and the maintenance of New Jersey Municipal Money Market Fund The fund seeks as high a level of current income exempt from Federal and New Jersey State income taxes* as is consistent with the preservation of capital and the maintenance of liquidity.