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. 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.

2 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. 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.

3 Of $1,000. Surcharge-free ATMs available on Surcharge-free ATMs available on the MoneyPass nationwide network** the MoneyPass nationwide network** Smart Shopper benefits. 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.

4 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. 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.

5 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. 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, and other short-term corporate obligations.

6 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. 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.

7 * 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.* 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.

8 54 Stifel Prestige Accounts Insured Bank Deposit Program Deposits in the Stifel Prestige Accounts Insured Bank Deposit Program seeks to make available up to $ million of FDIC insurance coverage (or $5 million for Joint Accounts ), subject to any limitations. Available cash in your brokerage account , will be deposited into interest-bearing deposit Accounts at up to 10 or more FDIC-insured banks. Please refer to the Stifel Prestige Accounts Insured Bank Deposit Program terms and conditions for more details or for information about which banks maintain your account , investment yields**, and for information regarding the extent of Federal Deposit Insurance that is available to you. For more information about these Dreyfus General Money Market Funds, please contact your Stifel Nicolaus Financial Advisor. Investors should consider a fund s investment objective, risks, charges, and expenses carefully before investing.

9 The prospectus, which contains this and other important information, is enclosed and should be read carefully before investing. An investment in any General Money Market Fund is not insured or guaranteed by the FDIC or any government agency. Although a money market fund seeks to preserve the value of your investment at $ per share, it is possible to lose money by investing in a money market fund. Yield fluctuates. See for more information on fees and expenses related to the Dreyfus General Money Market Funds. Money Market Investment Choices* Income may be subject to state and local taxes depending on your state of residency. Income may also be treated as a preference item for purposes of the Federal Alternative Minimum Tax.** Interest rates on the Stifel Prestige Accounts Insured Bank Deposit Program will vary based upon the total value of the eligible assets you maintain in your Stifel Accounts that are linked for statement householding.

10 The aggregate balance of all linked Stifel brokerage Accounts is referred to as your Household Balance. In general, clients with greater Household Balances will receive a higher interest rate than clients with lower Household Balances. Stifel will determine your Household Balance each month. 6 The Stifel Prestige Accounts Keep Your Money Working AutomaticallyWith your Stifel account , you can be assured that your money is continuously working for you. All the available cash in your account from deposits, dividends, interest, and the proceeds from the sale of securities is automatically invested in your choice of a taxable or tax-exempt money market fund(s) DepositThis service is a convenient, quick, and safe way for you to put money aside in your Stifel Prestige account or Stifel PrestigePlus account before the monthly bills eat away at it.