Flexible technology. Empower your business with Pershing s NetX360

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1 Flexible technology Today s fiercely competitive environment requires powerful, flexible technology to optimize your productivity and performance. Pershing s open architecture platform gives you the freedom to follow your own plan for growth. Empower your business with Pershing s NetX360 NetX360 is the cornerstone of Pershing s flexible technology offering, and is one of the reasons Questar Capital has chosen to partner with Pershing. NetX360 provides one complete solution to manage your commission and fee-based business, including advisory and managed accounts. Pershing continues to invest significantly in innovation and development to meet your current and future needs. NetX360 is designed to help you more efficiently manage your business, be highly responsive to your clients, and effectively develop new sales and revenue opportunities. It integrates client information with market data, news, research, and tools from many of the most respected content providers in the industry into a customizable platform to help you maximize productivity. From sales, to backoffice processing, to trading, to helping you manage compliance, NetX360 will simplify your daily tasks, enabling you to save time, reduce errors, and accomplish more. Integration Access research, financial planning tools, financial and headline news, market data, and trading information all from a single source. User experience Effectively perform the tasks needed to manage and build your business. Online account opening Questar Capital and Pershing offer online, real-time account opening. This exciting offering allows you to open an account in your office and pre-fill a variety of documents, and it instantly provides you with an account number. Online asset movement Request client checks, electronic transfers of funds, and move assets between accounts from your computer with NetX360. Personalization Tailor screens, navigation, and data display to suit your personal work style. Increased productivity Learn about events and regulations that affect clients accounts, and use a variety of online tools to speed up operational tasks. Intuitive navigation Find the information you need quickly and easily, with fewer clicks. Anytime, anywhere access NetX360 can be accessed through a variety of mobile devices, including iphone, ipad, BlackBerry, Android, and Windows Mobile. To learn more about NetX360, visit Page of 8

2 An expansive array of global investment solutions Leverage Pershing s comprehensive selection of investment solutions to build a distinctive product lineup. Fund solutions Your centralized resource for mutual funds, trading, and support With more than $3 trillion invested, mutual funds remain a key product for advisors. Pershing s platform can set your firm apart by providing access to nearly 20,000 mutual fund choices, including close to 5,000 no-transactionfee (NTF) funds. FundCenter includes domestic and offshore load, low-load and no-load funds, as well as FundVest, our NTF mutual fund platform. FundVest 200 TM is a research-driven list of NTF mutual funds available through Pershing s FundVest platform. The list, selected by Lockwood Advisors, Inc. (Lockwood) 2 and provided at no additional charge, may be a useful tool to help guide you in constructing investor portfolios. FundVest 200, which is updated quarterly, may help enhance your business by providing you guidance from an affiliate that specializes in institutional investment due diligence, which is designed to assist you in strengthening your investor relationships. Lockwood partners with the BNY Mellon Manager Research Group to conduct initial due diligence and ongoing monitoring of each mutual fund. 202 Investment Company Institute Fact Book. 2 Lockwood Advisors, Inc. (Lockwood) is an investment adviser registered in the United States under the Investment Advisers Act of 940. Lockwood is an affiliate of Pershing LLC (Pershing), each wholly owned subsidiaries of The Bank of New York Mellon Corporation (BNY Mellon). The FundVest 200 list is intended for use by your firm and does not constitute investment advice from Lockwood to individual investors. No FundVest mutual funds managed by BNY Mellon affiliated investment managers were considered for inclusion in FundVest 200. Please refer to the FundVest 200 list of funds, available in FundCenter via NetX360, for more information and important disclosures regarding this program. 2 Page 2 of 8

3 Pershing also provides an ETF Center, which incorporates analytic tools and searchable, detailed information on more than,400 exchange-traded funds (ETFs) and exchangetraded notes (ETNs). Through the ETF Center, you can compare ETFs to individual stocks or mutual funds, screen ETFs using a variety of criteria, and find ETFs based on market performance. Managed investment platform solutions With a variety of choices, there is one to suit your business needs In today s marketplace, we believe the ability to provide fee-based managed investments is shifting from a competitive advantage to a competitive necessity. At Pershing, the competitive pressure to provide managed investments has never been higher or more critical. Pershing and our affiliate, Lockwood Advisors, Inc. (Lockwood), 2 represent one of the largest and most comprehensive end-to-end solutions providers. 3 We work with you to build customized, integrated managed investment platform solutions designed to reflect your needs, brand and culture. Pershing s platform technology supports separately managed accounts, flexible/fixed mutual fund (MF)/exchange-traded fund (ETF) wrap accounts, fixed/flexible unified managed accounts and advisor directed accounts, as well as middle- and back-office operational services. Investment management, research, and overlay services provided by Lockwood gives access to discretionary services including separately managed accounts, flexible/fixed mutual fund (MF)/exchange-traded fund (ETF) wrap accounts, fixed/flexible unified managed accounts. Lockwood also provides distribution and business development support. Retirement solutions Our knowledge and committed support can help you grow your retirement business Pershing provides you with a suite of retirement solutions, services, and tools to help you meet the diverse needs of your clients. You have access to a broad range of products for both employers and individuals as well as marketing and educational resources to support the growth of your business. Individual retirement accounts (IRAs). IRAs are a key building block for your clients future retirement success. Pershing s breadth of IRA products includes traditional, Roth, and rollover IRAs as well as a mutual fund only IRA option that provides special pricing for your clients who exclusively invest in mutual funds. Pershing s open architecture platform provides your clients access to thousands of mutual funds, managed accounts and other investment choices, allowing for broad diversification across multiple asset classes. Our suite of retirement calculators in NetX360 can aid with many aspects of retirement and distribution planning, including more complex issues such as Roth conversion decisions and 72(t) early withdrawal calculations. Employer-sponsored plans. Providing retirement plans can enable business owners to earn significant tax deductions as well as provide a valuable benefit that Pershing is not a registered investment adviser and does not offer investment advisory products, programs or services. 2 Lockwood Advisors, Inc. is an investment adviser registered in the United States under the Investment Advisers Act of 940 and is an affiliate of Pershing LLC, each subsidiaries of The Bank of New York Mellon Corporation. Pershing LLC, member FINRA, NYSE, SIPC. 3 The Cerulli Edge, Managed Accounts Edition, Q 202 Issue. Lockwood/Pershing is listed as the largest Non-Advisory Third-Party. 3 Page 3 of 8

4 can help attract and retain employees. Pershing provides a suite of employersponsored retirement plans for business owner clients, including qualified plans such as 40(k)s and individual 40(k)s, as well as a Roth feature, profit-sharing, and money purchase pension plans. Other plan types such as SEP IRAs, SIMPLE IRAs, and 403(b)(7)s are also available. Trading solutions One-stop access with outstanding service Pershing has global trading expertise that encompasses a wide range of solutions: Product breadth. By leveraging Pershing s trading capabilities, you gain global access to a full spectrum of products, including equities, options, fixed income, and collateral funding. Sales support. Pershing Trading Services is powered by personal relationships, attentive service, and proactive sales support. You can immediately tap into our market and product expertise delivered through a staff of global specialists in every asset class. Technology. Pershing is committed to interoperable open architectures that integrate seamlessly with the industry s best execution and portfolio reporting solutions. We will help you stay on the leading edge of order-handling technologies, advanced electronic trading tools, FIX connectivity, portfolio reporting, and automated compliance solutions. Annuity and insurance solutions Streamline processing and enhance your overall client experience Subscribe, Pershing s end-to-end annuity platform, streamlines how you process, service, and maintain fixed, indexed, and variable annuities to help you gather a greater share of the annuity market. The Subscribe platform makes available: Online order entry Same-day settlement Daily balance updates Commission settlement Financial activity reporting Additionally, Subscribe enables you to conveniently link information on your clients annuity and life insurance contracts to their brokerage accounts giving you and your clients a more comprehensive view of your clients portfolios, both online and on their monthly brokerage account statements. 4 Page 4 of 8

5 Cash management solutions Tools to help clients streamline their financial lives Corestone Account is a powerful asset management account that gives your clients a complete portfolio snapshot in one comprehensive statement. Corestone features unlimited check writing, online bill payment capabilities, daily cash sweep, direct deposit, and more. Available in several tiers for individuals and corporations, the account makes available enhanced benefits such as a Visa debit card, ATM access, a loyalty rewards program, and more. Silver accounts allow for easy access to funds, unlimited check writing, daily cash sweep, expense tracking, online bill payment, optional credit line, telephone access, and more. The Silver level is an affordable entry point that can be upgraded as asset levels build. Silver Plus accounts include all the benefits of Silver as well as a Visa debit card. Gold accounts include all the benefits of the Silver and Silver Plus levels along with enhanced reporting, dividend reinvestment, purchase and travel protection, and RewardSuite, a complimentary loyalty rewards program. Platinum accounts include all the features of the Silver and Gold levels. In addition, there are higher withdrawal limits, greater ATM fee reimbursements, discounts on check orders, and stop payments at no additional charge. RewardSuite features higher point accumulation, concierge services, and minimal travel restrictions. Lending solutions We can help you maximize both sides of your clients balance sheets By providing effective borrowing solutions, you can help clients improve their cash flow, consolidate their debt, and make the most of their investment opportunities. In addition, lending products can put you in an advantageous position to gain greater insight to your clients holdings and further strengthen the client relationships you have established over time. Explore Pershing s range of lending solutions: CreditAdvance is a secured, revolving lineof-credit that serves as a valuable margin lending solution allowing qualified clients to purchase additional securities, attain a higher level of investment, and use the liquidity gained for various purposes. LoanAdvance is a securities-based nonpurpose lending solution designed to provide qualified clients access to a line-ofcredit for most personal and business needs with competitive interest rates and flexible terms with no fees. Clients can pledge a broad range of eligible assets as collateral and borrow up to 90% of combined market value in both their retail and separately managed accounts. Fully paid securities lending allows affluent clients holding fully paid-for securities to loan those securities to Pershing. Pershing then has the option to utilize those securities to satisfy both internal and external borrowing needs. This creative solution can generate incremental income, as a majority of the spread earned on the loaned securities becomes revenue for your participating client. 2 To participate in the Fully Paid Securities Lending program, clients must maintain a minimum of $250,000 in their brokerage accounts held with Pershing. Investors should consult their tax advisors prior to participating in this program. 2 Enrollment in the Fully Paid Securities Lending program does not guarantee that Pershing will actually borrow securities from your clients. Pershing will borrow securities based on the needs of its business. 5 Page 5 of 8

6 Wealth management solutions Help your clients preserve, manage, and increase their wealth Being able to provide your clients a full complement of wealth management solutions is critical to cementing long-term relationships and potentially consolidating more of your clients business. Leveraging the extensive experience and knowledge at Pershing, you can maximize the opportunities that wealthy clients present. Corporate executive services. Employee stock options and restricted securities might be sizable, and somewhat illiquid, elements of compensation at senior management levels. Pershing s Corporate Executive Services provides support for cashless employee stock transactions and securitiesbased lending opportunities. Trust network. Trusts are one of the most important planning tools for households with more than $ million in investable assets. Pershing s Trust Network provides you with a variety of trust services available through a choice of corporate trustees. This openarchitecture program provides a full menu of solutions geared to meet virtually any personal trust need, whether full-trustee, agent-for-trustee, or trust reporting services. Helping you deliver a compelling solution No matter how narrow and focused or broad and diverse your client base, you will find the investment solutions you need at Pershing We can help you deliver an innovative solution without the high costs of in-house development and the burden of inefficient workflows. We make available a vast array of global investment platforms and solutions along with a wide range of customization options to help you differentiate your brand. You can deliver client service with our award-winning statements and consolidated reporting and take advantage of our compliance expertise and rule-based processing to stay in step with changing regulations. To keep your advisors performing at their best, you can rely on our extensive consulting, practice management, and training solutions. Whether you are looking to provide a broad range of investment solutions, reach specific target markets, reduce overhead, mitigate risk, recruit top producers, or find more profitable distribution strategies, Pershing provides the strategic solutions that can help you grow your business without limits. 6 Page 6 of 8

7 Award-winning statements Account statements are your most frequent client touchpoint and provide a concrete way to reinforce a high level of service. For the past six years, Pershing s brokerage account statement has received an Excellent designation in the Brokerage Industry category of the annual Trends and Best Practices in Investor Statements survey published by DALBAR. Their statements offer: Customization (firm logo, your name, and contact information) Consolidation for household accounts edelivery alternative Year-end account reports and quarterly performance reports DALBAR-rated communications excellence Ask about edelivery Pershing s brokerage account statement has received DALBAR s a rating of excellent for six consecutive years. 7 Page 7 of 8

8 Your Business Without Limits. TM This is a relationship focused on your success. To learn more about Pershing, visit them online at About Pershing Pershing LLC (member FINRA, NYSE, SIPC) is a leading global provider of financial business solutions to more than,500 institutional and retail financial organizations and independent registered investment advisors who collectively represent 5.5 million active investors. Pershing is a member of every major U.S. securities exchange, and its international affiliates are members of the Deutsche Börse, Irish stock exchange, the London stock exchange, the Toronto stock exchange, and the Australian stock exchange. Pershing LLC is a BNY Mellon company. Additional information is available at 8 Page 8 of 8