STOCKCROSS F I N A N C I A L S E R V I C E S

STOCKCROSS F I N A N C I A L S E R V I C E S

Thank you for your interest in StockCross Financial Services. StockCross is one of the largest privately owned brokerage firms in the nation. Established in 1973, we have spent many years providing financial guidance and excellent customer service to our clients. Our branch offices are located throughout the nation and are staffed with knowledgeable and experienced representatives. Our online investment services and phone support offer our clients around the world instant and current information on their accounts. The financial industry is constantly changing. However, our ethics, business principles and customer service remain strong and consistent. Our executive management has collectively been in the financial industry for over 150 years. Standing behind the StockCross shield, you will be joining thousands of satisfied clients who place their trust in us. We look forward to providing you with excellent service from the moment you open your account with StockCross Financial Services. Sincerely, The StockCross Family About Us Your Account Investment Center Online Trading 1 2-3 4-5 6-7 Corporate Services Account Protection Account Types Open an account 8-9 10 11 12-16 1

Your Account Service The constant aim of our personalized customer service is always to meet your needs and exceed your expectations. Our user-friendly phone system ensures that you re quickly in touch with the right person. Dividend Reinvestment The StockCross Dividend Reinvestment Program automatically reinvests your common stock dividends into additional shares for FREE. Watch your holdings grow and keep track of investments on StockCross statements. Easy Access to Your Funds We offer a conservative money market fund from a highly respected fund family for your cash balances awaiting investment. The auto-sweep feature makes it easy to manage your cash, if you qualify, and includes the benefits of: Check Writing Visa Debit Card ACH Direct Deposit No Fee & Free FREE Portfolio Analysis NO minimum balance on Personal Investing Accounts FREE stock trades for Educational Accounts NO FEE IRA ($10,000 minimum equity) FREE access to Morningstar & Standard & Poor s research. NO SETUP FEE on Personal Investing Accounts 2

StockCross Accounts StockCross offers a variety of accounts. We can get you started on the right foot and help you decide which accounts best suit your needs. Personal Investing Individual Account Joint Account Investment Club Trust Account Transfer on Death Estate/Fiduciary Employee Stock Option Educational Accounts Educational and Custodial accounts feature commission FREE equity trades, because we understand the importance of preparing for a child s future. Custodial Account Coverdell Education Account Your Business Profit Sharing SIMPLE IRA Defined Benefit Plan Corporate Account Money Purchase Plan Your Retirement Traditional IRA Individual 401k Inherited IRA SEP IRA Roth IRA Rollover IRA Visit Online Visit www.stockcross.com For your convenience, open an account online, where forms and account descriptions are available. 3

Investment Center The StockCross Investment Center offers a wide range of investments available for any type of account. We provide guidance and tools to help you reach your investment objectives. StockCross Investments StockCross has many investments to choose from including: Tax-Advantaged Municipal Bonds U.S. and Foreign Government Agency Issues U.S. and Foreign Bonds, Bills & Notes Corporate Bonds 16,000+ Mutual Funds Certificates of Deposit (CDs) CMOs Stocks & Options Annuities & Life Insurance New Issues Relationships matter. We provide our clients with many of the most current investment opportunities available. Some new issues include: Unit Investment Trusts (UITs) Exchange Traded Funds (ETFs) Syndicate Issues Preferred Stocks Structured CDs Reverse Convertibles Municipal Bonds Your Investments Not all investments are suitable for all investors. Please contact an Investment Specialist to explore which investments may best suit your goals. Contact us at 800-225-6196. View Choices Visit www.stockcross.com to see the investment products currently available. 4

Investment Specialists StockCross Investment Specialists bring knowledge and experience to you. Our Investment Specialists offer: FREE Portfolio Analysis FREE Retirement Planning StockCross Money Management FREE Educational Planning Tax-efficient Investment Strategies Bond Laddering Wealth Management StockCross Wealth Management Advisory is an all-in-one investment program that provides a premier level of personalized plans and service. Your Wealth Advisor will work with you to develop and implement a strategic plan in conjunction with elite institutional money managers to achieve your investment goals. Mutual Fund Advisory - Access to Advisors that invest in one of the industry s most comprehensive mutual fund wrap programs with continuous monitoring and rebalancing. Multi-Manager Account - Combines the advantages of an account actively managed by institutional money managers, and has the convenience of consolidated account statements. Separate Account - A custom-tailored investment plan with access to a variety of carefully selected asset managers who represent hundreds of different investment disciplines. Unified Managed Account - A single account that combines your Mutual Fund, Separate Account, and Exchange Traded Fund investments with portfolio rebalancing for the entire portfolio. 5

Online Trading StockCross offers two different platforms to trade online depending on your trading knowledge and experience: Investor Trading Platform StockCross ADVANTAGE (for Advanced Traders) Investor Trading With the Investor Trading Platform, online trading is easy. You have instant access to online statements, trade confirmations and tax documents, as well as account balances, positions, and activity. Online Trading Features Investor Trading and ADVANTAGE platforms offer you access to a wide range of investment choices and order options that include: Investor Trading and ADVANTAGE Stocks Pink Sheet OTC Limit Orders ETFs Stop Orders Mutual Funds Trailing Stops ADVANTAGE Options Stop Limits Online Research Independent Third Party Research provided by highly respected industry leaders is FREE through our Investor Trading and ADVANTAGE online platforms. Log in to your account for valuable tools that allow quick access to analyst ratings, earnings, news, and charts. Complex Options Buy/Writes OCO (order cancels other) OTB (order triggers bracket) 6

StockCross Advantage StockCross ADVANTAGE is our premiere online trading platform with real-time streaming data. Customize Customize your online experience - our website, your way. Tailor pages and functions to suit your personal preferences. Asset Charts Balances News Stock Ticker Quotes Order Status Advanced OrderS With ADVANTAGE, advanced order types strategically help protect against market swings in your account. By using the Bracket advanced order feature, one entry and two orders can be simultaneously placed and maintained. Positions Graphs Option Builder ADVANTAGE offers a unique step by step Option Strategy Builder with various complex strategies for sophisticated investors. Build your option strategies by: Purpose Market Outlook Time Decay Effect Profit Potential Risk Potential *Barron s March 2009 Online Broker Survey- Among the best for online traders View our online trading site demos of our trading platforms at stockcross.com * 7

Open Online Employee Stock Plans Open your Employee Stock Plan acount online! Visit www.stockcross.com StockCross works with major corporations to help manage and administer equity compensation plans. Your Employee Stock Plan account gives you full access to our knowledgeable Investment Representatives, online chat, and proactive notification of expiring option grants. Online Tools StockCross uses advanced technology for fast online executions. These advanced online tools allow employees to establish their unqiue stock plan portfolio. Administrators have the ease of plan oversight while establishing efficient accounts for employees. StockCross Advantages Global - StockCross supports participants in over 125 countries. Efficient - Online grant acceptance, tax elections, plan enrollment and contribution elections. All plan and grant information is at the participant s fingertips. Support - Knowledegable and experienced Investment Representatives can help participants achieve the most from their portfolio. Choices - Access to a wide range of investment choices from our Investment Center as well as guidance from our Investment Specialists. Corporate Participants StockCross Financial Services has facilitated corporate services for individuals worldwide who work for businesses ranging from growing regional companies to Fortune 500 companies that have included: Apple Hewlett Packard Johnson & Johnson Schlumberger Home Depot Campbell Soup 8

Market Making StockCross Financial Services has over 150 years of combined trading experience. We use cutting edge technology to make markets in multiple exchanges and over 3,500 different securities. Some sectors we trade and make markets in include: Bank Stocks Corporate Bonds Rare and Inactive Securities Distressed Securities International Securities Preferred and Convertible Securities Government Agencies Specialty Purpose Acquisition Companies The Best of Both With StockCross Corporate Services and our experienced traders, we can handle larger stock plan trades to get you and your company excellent executions at a great price. 9

Account Protection SIPC Protection StockCross is a member of the Securities Investor Protection Corporation (SIPC) providing protection up to $500,000 ($100,000 cash). This does not protect your account against loss in market value of securities. Visit www.sipc.org for more details. London Insurance StockCross provides $20 million protection per client through supplementary coverage by a London Insurer. StockCross has an aggregate total coverage of $50 million. This coverage protects against brokerage insolvency and does not protect against loss in market value of securities. NYSE & FINRA Member Since 1982, StockCross has been a distinguished member of the NYSE and is also a member of the Financial Industry Regulatory Authority (FINRA), the largest independent regulator of securities firms in the U.S. FDIC Insured CDs At StockCross, you may choose to invest in FDIC insured certificates of deposit. We offer FDIC insured CDs available from local, regional, and national banks. 10

S T A N D B E H I N D T H E S H I E L D 1-800-225-6196 w w w. S T O C K C R O S S. c o m STOCKCROSS F I N A N C I A L S E R V I C E S S T O C K C R O S S F I N A N C I A L S E R V I C E S, I N C. M E M B E R N Y S E S I P C F I N R A E S T. 1 9 7 1 9 4 6 4 W I L S H I R E B L V D, B E V E R L Y H I L L S C A 9 0 2 1 2