AT THE END OF THE DAY, IT S ALL ABOUT THE EXPERIENCE. Should your private banking be any different?

Transcription

1 AT THE END OF THE DAY, IT S ALL ABOUT THE EXPERIENCE Should your private bakig be ay differet?

2 Service. E x p e r t i s e. Itegrity. At Norther Trust, we take a holistic approach to servig your fiacial eeds. From ivestmet opportuities to major purchases, from basic bakig to tax-effective aswers for complex fiacial issues whatever your cocer, you ca be sure that Norther Trust ca assist you with local expertise ad world-class resources ad services.

3 C u t t i g - E d g e C a p a b i l i t i e s. Flexible Optios. Delivered With E x p e r t i s e A d T i m e l i e s s. For more tha a cetury, Norther Trust has bee the trusted advisor to geeratios of idividuals, families, their busiesses ad foudatios. These successful ad creative iovators, etrepreeurs ad their families have tured to us to provide a full array of high-quality, customized fiacial services. Our combiatio of persoalized cliet attetio ad global resources offers cliets a itegrated approach to wealth maagemet, oe that sets us apart ad makes us a leader i the idustry. We offer a wide rage of products ad services to help you effectively maage your persoal ad busiess fiacial requiremets, icludig: Tailored fiacig solutios Trust ad estate services Checkig ad deposit services Tax-advataged strategies Ivestmet maagemet Busiess bakig services orthertrust.com Private Bakig 1 of 8

4 PRIVATE BANKING SERVICES Exclusivity. Attetio. Access. Norther Trust Private Bakig services go well beyod helpig you maage your cash flow ad easily access your fuds. We offer a variety of deposit ad cash maagemet vehicles, alog with residetial mortgages, specialty fiacig ad other custom ledig solutios that provide a ideal complemet to your overall fiacial strategy. A full array of trasactio ad deposit services Elevate your bakig experiece Your experieced Private Bakig relatioship maager ca draw o a exteded team of specialists to assist you i maagig assets ad liabilities, maitaiig cash flow ad providig liquidity. Ad our sophisticated techology platform gives you roud-the-clock access to your moey ad total trasparecy ito your accout holdigs from aywhere i the world. Our iovative trasactio solutios ad easy-to-use olie iformatio ad tools ca help you maage your fuds to maximum advatage. For example, the Norther Achor Checkig Accout combies the solid ivestmet expertise of Norther Trust with the liquid coveiece of a checkig accout which you may select to sweep ito a moey market fud. 1 Amog the accout s may privileges is the waiver of several usual ad customary fees. 2 You will ejoy o-charge: Visa Gold Debit card Stop paymets ad icomig wire trasfers Olie ad telephoe bakig ad bill paymet Ulimited check writig Traveler s or cashier s checks ad America Express Gift Cards I additio, you will have o-fee access to your fuds at more tha 57,000 Norther Trust, Allpoit ad MoeyPass ATMs atiowide ad abroad. 3 2 of 8 Private Bakig orthertrust.com 1 No-deposit ivestmets, like moey market mutual fuds, are NOT FDIC INSURED, may lose value ad are ot guarateed by ay bak or federal agecy. The sweep feature for Norther Achor (persoal) ad Busiess Achor accouts is triggered whe accout balaces reach a stated threshold ormally $20,000. The portio over the threshold which is swept ito a ivestmet accout is NOT FDIC INSURED. The deposit balace left withi the Achor checkig accout IS FDIC INSURED. The sweep feature may be termiated by you at ay time upo receipt of writte istructios. 2 A miimum accout balace requiremet applies to avoid a maiteace fee. Normal deposit accout fees will apply to other deposit accouts. 3 No-fee access to Allpoit ad MoeyPass ATMs is oly available with a Norther Trust Visa debit card. Some Allpoit ATMs may still display a surcharge scree durig your Allpoit ATM trasactio. If that happes, simply eter Yes to accept the surcharge ad proceed with your withdrawal. You will ot be charged the ATM operator surcharge fee ad that fee will ot be deducted from your accout.

5 Whatever your eeds, from daily cash maagemet to loger term ivestmet optios, we offer a wide rage of FDIC-isured products, icludig: cash flow eeds. Creative ad flexible fiacig structures ad quick, easy implemetatio are hallmarks of our credit expertise. We offer cliets: Iterest ad o-iterest checkig accouts Customized persoal loas ad lies of credit Premium moey market deposit accout Statemet savigs accout Primary, secodary or vacatio residece mortgage fiacig, icludig costructio loas, co-op fiacig ad refiacig ad modificatios Certificates of deposit Home equity credit lies Accouts for miors Ivestmet property loas Customized ledig services provide opportuity without obstacles Stock optios? A etrepreeurial opportuity? Custom jumbo mortgage? Luxury items? Whether you are cosiderig a purchase or ivestmet, you ca rely o Norther Trust to desig a efficiet ad effective ledig solutio to meet your Capital cotributio ad stock optio fiacig Specialized fiacig for major acquisitios such as yachts or aircraft Visa credit cards 4 4 The creditor ad issuer of Norther Trust credit cards is Ela Fiacial Services. orthertrust.com Private Bakig 3 of 8

6 WHY NORTHERN TRUST? We build strog relatioships with our cliets based o ogoig dialogue about their evolvig eeds. We provide itegrated solutios with a breadth ad depth of capabilities that few firms ca match. We place strog emphasis o trust ad itegrity ad take pride i our log history of fiacial stregth ad stability. Ivestig For Today s Realities C l a r i t y. G u i d a c e. Choice. Give a challegig ecoomic eviromet, may people fid that their preset ivestmet strategies are o loger aliged with their objectives. As idividuals begi to reevaluate their ivestmet philosophy, the eed for clarity is essetial. Norther Trust ca provide the fiacial guidace that helps you focus o your curret priorities ad target goals while takig ito accout variable market coditios. Your goals determie our ivestmet strategy At Norther Trust, we first idetify ad uderstad your life goals ad the create a dyamic pla to help you achieve them. We will clarify your persoal aspiratios ad desires, your commitmets to family, the causes you support ad your short- ad log-term lifestyle priorities. The, a dedicated advisor, supported by a itegrated team of wealth maagemet experts, will aalyze your situatio ad develop a dyamic wealth maagemet solutio based o your uique eeds. By providig proactive advice alog with exceptioal service we urture deep, log-term cliet relatioships. 4 of 8 Private Bakig orthertrust.com

7 Ivestmet maagemet We implemet your ivestmet strategies through a disciplied portfolio costructio process that seeks to grow your assets, maage your risk ad miimize your tax liabilities. I collaboratio with you, we create a ivestmet program that icludes a broad array of asset classes ad ivestmet categories desiged to meet your objectives, from curret icome geeratio to maximizig capital growth. Leveragig our istitutioal expertise as a global ivestmet maager, our multifaceted solutios iclude both proprietary ad leadig third-party maagers. Our comprehesive capabilities iclude active portfolio maagemet, tax-advataged istrumets, mutual fud advisory ad uified maaged accout programs, maager of maagers, alterative opportuities, ad more. Mutual fuds Mutual fuds have become a ivestig staple because they excel i diversificatio, ecoomies of scale ad liquidity while they spread risk across multiple holdigs. Norther Trust offers you access to more tha 9,000 equity, fixed-icome ad moey market fuds, icludig Norther Fuds, our family of 100% o-load mutual fuds maaged by Norther Trust. 1 BROKERAGE CAPABILITIES Equity securities Brokerage services Fixed icome Sice 1889, Norther Trust has provided ivestors with high levels of service expertise ad performace. Today those traditios cotiue at Norther Trust Securities, Ic. (NTSI). As the full-service brokerage subsidiary of Norther Trust, NTSI offers access to the global fiacial markets ad a world of ivestmet opportuities all through a sigle trusted source. We offer multiple levels of support icludig full-service ad self-directed brokerage as well as extesive market research to help you make iformed, itelliget ivestmet decisios. 2 Cocetrated stock strategies Alterative ivestmets Structured ivestmets Mutual fuds Uit ivestmet trusts TAX-ADVANTAGED ACCOUNTS Retiremet plaig solutios Educatio plaig solutios Norther Trust charitable givig program 1 Other fees ad expeses may apply to a cotiued ivestmet i the Fuds ad are described i the Fuds curret prospectuses. 2 Isurace for the total et equity of your accout is provided by multiple sources. Through Norther Trust Securities, Ic., a member of the Securities Ivestor Protectio Corporatio (SIPC), securities i your accout are protected up to $500,000 (icludig $100,000 for claims for cash). orthertrust.com Private Bakig 5 of 8

8 C u s t o m i z e d B U S I N E S S Solutios Kowledge. Efficiecy. Coveiece. Choosig a fiacial parter for your busiess ivolves a lot more tha fiaces. It is about fidig a forward-thikig advisor who takes a comprehesive approach to uderstadig your busiess ad persoal fiacial eeds to help you achieve your goals at every stage of your life. Let Norther Trust help you protect ad grow what you worked so hard to build. Objective family busiess services As a busiess ower, you must aticipate future cosideratios related to busiess ad maagemet successio, estate taxes, liquidity, ad death ad disability. Our team of experts ca assist you with the timely plaig you require to address these cocers ad to protect both your busiess assets ad your family s wealth. Our Family Busiess Divisio provides maagemet ad strategic solutios for your family busiess, icludig busiess successio plaig, plaig for a liquidity evet ad effectuatig your estate pla. Creative credit optios We uderstad that o two busiesses are the same, ad we tailor our credit optios accordigly. As a busiess cliet of Norther Trust you will beefit from a wide variety of debt fiacig ad other commercial ledig services. We stad ready to assist you with workig capital loas, equipmet fiacig ad leasig, capital cotributio ad acquisitio loas. We also have deep capabilities i aircraft ad life isurace premium fiacig, commercial real estate loas ad idustrial developmet bods. Norther Trust is also egaged i multi-bak credit facilities to both privately held busiesses ad public compaies. Additioal services iclude commercial ad stadby letters of credit, busiess credit cards, 1 foreig exchage, iterest rate risk maagemet solutios ad ESOP loas for busiess owers. 6 of 8 Private Bakig orthertrust.com 1 The creditor ad issuer of Norther Trust credit cards is Ela Fiacial Services.

9 Comprehesive wealth trasfer services You. Your Family. Your Legacy. Busiess checkig ad deposit accouts From the simple to the complex, we offer a full complemet of FDIC-isured busiess checkig ad deposit services to help you maage your operatig eeds. For ulimited check writig privileges, choose a basic checkig, busiess sweep 2 or aalyzed checkig accout. Or choose our premium moey market deposit accout to ear competitive iterest rates but with more limited check writig privileges. Electroic busiess bakig solutios Accelerate collectios ad maage payables while reducig expeses with Norther Trust s iovative, itegrated busiess bakig solutios. From wire trasfer, automated clearig house (ACH) ad electroic data iterchage (EDI) services to busiess debit cards, lockboxes, positive pay ad more, we are committed to brigig greater efficiecy to all your trasactios. With Treasury Passport, our Web-based platform for busiesses, you ll gai access to the full rage of Norther Trust s busiess services with the coveiece of sigle-site access. As a leader i trust ad estate services, we work with you ad your advisors to create sophisticated strategies ad guide you through the complicated process of wealth trasfer. Effective estate plaig eables you to miimize the impact of taxes o your estate ad ca also help protect your assets from uexpected health, persoal ad busiess risks. Cout o Norther Trust professioals to assist you with trust services, estate settlemet, guardiaship services, philathropic solutios ad family educatio ad goverace matters. N O R T H E R N T R U S T PRIVATE PASSPORT Private Passport, our olie fiacial maagemet suite, gives you a sigle, comprehesive view of your fiacial picture 24 hours a day, seve days a week. You will ejoy complete access to your accout iformatio, icludig the ability to add accouts ot held at Norther Trust. View your latest balaces ad trasactio activity, pay bills olie, geerate custom reports ad set proactive accout moitorig alerts. If you maitai a brokerage accout with us, you ca also iitiate trasfers, coduct brokerage trasactios ad review curret market research. Ad, if you choose, you ca eve dowload accout iformatio ito Quicke or QuickBooks. Superior i desig yet simple to use, Private Passport offers umerous features that let you perform other day-to-day fiacial tasks more quickly, aytime ad aywhere it is most coveiet for you. 2 Swept fuds are ot FDIC isured. orthertrust.com Private Bakig 7 of 8

10 S t r e g t h. B r e a d t h. Depth. At Norther Trust, you ca rely o us to offer the same exceptioal, persoalized service that geeratios of cliets have come to expect from us for more tha 120 years. You will have a sigle poit of cotact backed by a team of highly skilled professioals ready to deliver forwardthikig solutios. We are cofidet you will appreciate the coveiece, efficiecy ad attetio to detail that Norther Trust offers. If you would like to discuss how we ca help you meet your uique persoal, family ad busiess bakig eeds, cotact a Norther Trust relatioship maager at ay of our offices atiowide, call us at or lear more by visitig orthertrust.com. E X P E R T I S E M AT T E R S. W E C A N H E L P. Norther Trust has eared distictio as a idustry leader by combiig superior persoal service with sophisticated techologies to deliver world-class fiacial solutios. Here are some reasos we are the best choice for your fiacial eeds: Oe of the World s Most Admired Compaies Fortue, 2011 Best Private Bak i North America Fiacial Times Group, 2009 ad 2010 Servig More tha 20% of Forbes 400 Most Affluet Americas Forbes, 2010 Best Private Bak i North America for Family Office Services; Trust Services; ad Iheritace ad Successio Plaig Euromoey, 2010 Raked amog the Top 10 Wealth Maagers Barro s, 2009 ad 2010 orther trust 2011 orther trust baks are members fdic equal housig leders 8 of 8 Private Bakig orthertrust.com

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12 orthertrust.com LEGAL, INVESTMENT AND TAX NOTICE: This iformatio is ot iteded to be ad should ot be treated as legal advice, ivestmet advice or tax advice. Readers, icludig professioals, should uder o circumstaces rely upo this iformatio as a substitute for their ow research or for obtaiig specific legal or tax advice from their ow cousel. IRS Circular 230 Notice: To the extet that this message or ay attachmet cocers tax matters, it is ot iteded to be used ad caot be used by a taxpayer for the purpose of avoidig pealties that may be imposed by law. For more iformatio about this otice, see Norther Fuds are distributed by Norther Fuds Distributors, LLC, ot affiliated with Norther Trust. Please carefully read the prospectus ad summary prospectus ad cosider the ivestmet objectives, risks, charges ad expeses of Norther Fuds before ivestig. Call to obtai a prospectus ad summary prospectus, which cotais this ad other iformatio about the fuds. Securities products ad services are offered by Norther Trust Securities, Ic., member FINRA, SIPC, ad a wholly owed subsidiary of Norther Trust Corporatio. There are risks ivolved i ivestig, icludig possible loss of pricipal. There is o guaratee that the ivestmet objectives of ay fud or strategy will be met. Risk cotrols ad asset allocatio models do ot promise ay level of performace or guaratee agaist loss of pricipal. Ivestmet products ad services are: NOT FDIC INSURED I NO BANK GUARANTEE I MAY LOSE VALUE Q29510 (03/11)