Valet Asset Management Account

Valet is a full service asset management account, offering our clients many of the features
of a bank account combined with the investment options of a brokerage account.

To best serve our clients' needs there are two levels of Valet accounts,
with the following features:

	Valet Classic	Valet Premier
Visa® Debit Card Type	Classic Card	Platinum Card
ATM Deposits
Free Initial Checks
FDIC Account Protection
Comprehensive Statement
Y/E Summary Statement
ATM Fee Waiver
FREE Unlimited Online Bill Payment
Rewards Program	Visa® Extra Rewards	Cash Back Rewards

Enhanced Convenience

Through a single account clients can buy and sell securities, pay bills, write checks, make ATM deposits and withdrawals, all while earning reward points by using the Visa® Debit Card.

Ease of Consolidation

By consolidating all banking and brokerage needs into one account, clients can avoid managing multiple relationships with various financial institutions.

Improved Client Reporting

Clients receive one monthly statement that shows the value of their investments and monthly expenditures itemized by category.

Protection

Cash swept to the Insured Deposit program, which extends FDIC insurance on cash balances of up to $1,000,000 per account ($2,500,000 for retirement accounts).