Today, more and more investors are discovering that the key to successfully managing their cash and investments is by establishing one convenient, flexible and comprehensive account as the foundation for their finances. An Investment Access Account can provide this foundation. It’s an account that provides you with what you need, when you need it.

When you don’t need your cash, it should be working for you. But when you need money, it should be easily accessible. And when your money needs to move from one place to another, the more automatic the better. An Investment Access Account provides several options for easily accessing your cash. Some of these options include:

Your Investment Access Account includes a VISA Gold Rewards Card with convenient, flexible features, including:

• Instant access to cash at more than 800,000 ATM locations and 400,000 banks worldwide;
• Free ATM access at JPMorgan Chase, RBC Bank, Publix Presto and ATMs displaying the MoneyPass logo;
• A robust rewards program in which you earn points to redeem for travel and merchandise online at www.rbcr ewardsusasa.com;
• Points can be increased by making purchases at www.RBCRewardsUSA.com; and
• Extended warranties on items purchased with your card, travel and emergency assistance, auto rental insurance and other services.

Investment Access Account check-writing privileges offer exceptional benefits, including:

• Your first set of standard checks free of charge;
• No per-check charges;
• Budget planning with help from check expense tracking;
• Check payee information; and
• Image check copy statement if desired.

You have a wealth of opportunities available to automate the movement of funds, including Automated Clearing House (ACH), wire transfers, and Online Bill Pay.

If your Investment Access Account includes the margin feature, you have immediate access to credit by writing a check or using your VISA Gold Rewards Card. You may borrow up to 50 percent of the value of eligible securities in your account. It’s an easy way for you to help meet short-term borrowing needs, make larger purchases or leverage your securities to make additional investments. Ask your Investment Professional for more information on margin borrowing.

As the foundation for your investment needs, your Investment Access Account provides several features for tracking your portfolios. Whether you want to keep close tabs on your account or are only interested in the “big picture,” this simple yet comprehensive account management tool provides the information you need, when you need it. These options include access to our client account website, plus monthly and annual statements.

You have complimentary round-the-clock access to your account online. This service provides you with timely information (deposits, withdrawals, account balances) and details on your account. It allows you to view valuable market data, including interactive charts, research, profiles, company news, and other helpful tools such as complimentary online bill pay. Talk to your Investment Professional for instructions on how to access your account online.

In addition to our online service, you’ll receive concise, easy-to-read monthly statements. Annual summary statements are also produced for all accounts in your statement household.

Features of the account statement include:

• Securities activity,
• Interest, dividends, withdrawals and deposits,
• Current portfolio holdings,
• VISA Gold Rewards Card activity,
• Check payee coding, and
• Expense tracking.

A key benefit of the Investment Access Account is that it keeps your money working for you all of the time. Every day, the cash in your account will automatically sweep into the cash or money market option you have selected. There is a variety of competitive taxable and tax-exempt cash investment options.

The Investment Access Account annual fee is $125, but will be waived when the client household balance exceeds $200,000 or has $300 or more in commissions in the 12 months prior to the assessment of the fee.

Make an Investment Access Account your foundation and you’ll have easy access to the unprecedented opportunities in today’s investment markets.

Talk to your Investment Professional today about the benefits of an Investment Access Account.