Univest Securities, Inc.

Penson Financial offers a comprehensive asset management account that enables a client to combine their personal banking and brokerage activity into one consolidated account.

Features:

• Comprehensive checkwriting
• First order of 200 wallet-style checks free
• Preaddressed labels for mailing additional deposits
• No minimum dollar requirement on checks written
• Expense codes for categorization of checks written
• Check number and payee printed on monthly statement
• Year-end recap of all checks written, by category
• Optional check styles available
• Visa Gold debit card with airmiles
• ATM access (Plus, MAC, NYCE and Cirrus networks)
• Expanded travel liability insurance (through Visa)
• Rewards program (airmiles redeemable for travel on any airline)
• ACH direct deposit and withdrawals
• Social security, pension benefits, etc. posted electronically to account
• Mortgage payments, health club dues, etc. paid electronically from account
• Periodic payment system
• Authorize standing instructions to make payments from your account to specific parties on a recurring basis
• Enhanced statement for Valet Account customers exclusively
• Tax-lot cost basis statement
• Realized/unrealized gains and losses
• Cash management activity
• Attractive binder to organize statements
• 13 month/year-end summary statement
• 1099 detail
• Realized capital gains and losses
• Income and expense summary
• Checking activity by expense code category in date order by payee
• Visa activity sorted by SIC (Standard Industry Code) and merchant
• Bill payment/presentment
• Clients can pay bills over the web