Accounts and Services

• Traditional, Roth, Rollover, SEP, and Simple IRAs and Qualified Plans
  Retirement plans that allow you, in most circumstances, to set up a tax-favored retirement account for yourself and your beneficiaries.
• 529 College Savings Plans
  A college savings plan that allows you to save and invest on a tax-advantaged basis in order to fund future college and graduate school expenses of a child or other beneficiary.
• Coverdell Education Savings Accounts
  (formerly known as the Education IRA)
  An education savings account with new higher contribution limits that can be used for private elementary and secondary education as well as for college.
• Transfer on Death
  An account that allows you to determine who will be the beneficial owner of the specific assets in your account upon your death.
• Trust Account
  A legal agreement that clearly defines how your assets will be treated or distributed among your beneficiaries.
• Estate Account
  An account that assists personal representatives or executors with the retitling and distribution of a deceased person’s assets.
• Asset Management Account
  This account has investing and banking features combined in one account and includes a variety of benefits including:
  • Complete brokerage services combined with a money market sweep account make it easy to manage your finances.
  • Unlimited check writing and a debit/ATM card work together to provide ready access to your money.
  • Easy-to-read, consolidated statement saves you time and eliminates extra paperwork.
  • Ten percent discount automatically given on all commission charges.

When you open a Commerce Brokerage Services account, you will have access to a variety of specialized investment services. We offer several key benefits to our clients, including:

• Margin accounts
  A margin loan allows you to borrow against the value of your securities at competitive rates.^*

• Market and account information
  Both our trading desk and our regionally located Financial Consultants are equipped with the latest in market information technology. Account information, including cash or security positions, cash balances, open orders, and account history, is also instantly available when you call or meet with your Financial Consultants.

• Informative account statements
  We provide detailed monthly statements and a comprehensive year-end tax statement.

• Free online account access & trading
  You can access your Commerce Brokerage Service account information via the Internet for free. In addition to your personal account information, you can obtain market data including: stock quotes, news, charts, fundamental analysis, and more. Our online trading feature enables you to trade stocks, mutual funds, and options from the convenience of your computer.

• Convenient debit or credit to your Commerce Bank account
  We can credit your sales proceeds or debit your purchases automatically to your Commerce Bank checking, interest checking, or investment deposit accounts-so you don't have to write checks, and you start earning interest from your sales proceeds on settlement day.

• Cashless Employee Stock Option Exercise
  We make it easy for you to exercise stock options and garner the proceeds by offering what is known as a “cashless” exercise. With a cashless exercise of stock options, there is no out-of-pocket cost. We can handle your transaction and allow you to realize your profit as soon as possible.

• Dividend Reinvestment Program
  The Equity Dividend Reinvestment Service allows you to automatically reinvest dividends and or capital gains for securities held within a Commerce Brokerage account. There is no fee for this service and, for your convenience, your reinvestment will appear on your regular account statement.

• Periodic Investments for Mutual Funds
  You determine frequency and amount to systematically invest in mutual funds of your choice. Commerce Brokerage Services does the rest.

• Security Re-registrations

• Systematic Withdrawals

• Account protection package
  Securities in accounts carried by NFS are protected by the Securities Investor Protection Corporation (SIPC) up to $500,000 (including cash claims limited to $100,000). NFS has arranged for additional insurance protection for cash and securities to supplement its SIPC coverage. This additional protection covers total account net equity in excess of the $500,000/$100,000 coverage provided by SIPC. An explanatory brochure on SIPC is available upon request or at www.sipc.org. Neither coverage protects against a decline in the market value of securities.

^*For those who qualify, margin accounts are carried through National Financial Services, LLC.