Janney Advantage

Janney has the advantage of 175 years of achievement, the advantage of a client-centric philosophy and the advantage of dynamic investing and premier cash management products.

Janney has another advantage – our Janney Advantage program

The Janney Advantage suite of cash management services enables you to combine your Janney brokerage investments with a full range of preferred banking services.

Janney Advantage offers a choice of exceptional sweep products and banking services that are convenient and rewarding:

     Sweep Products

• Insured Sweep Program – featuring at least $1,000,000 in FDIC insurance and highly competitive interest rates with multi-bank investing that will put your idle cash to work. Learn more
• Tax-Advantage Money Market Funds* – available for clients with at least $100,000 in Janney Household Assets
• Dreyfus Taxable Money Market Fund* – limited to ERISA and defined benefit plans

Eligible clients are automatically enrolled into the Insured Sweep Program. In order to elect a sweep investment other than the FDIC protected Insured Sweep Program, your assets under management must equal or exceed $100,000. Sweep investment options not insured by the FDIC include Tax Advantage Money Market Funds*, Dreyfus Taxable Money Market Fund* and Money Market Rates*. Please contact your Financial Consultant for additional information.

*An investment in a Money Market Fund is not a deposit in a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Money Market Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Money Market Fund. For more complete information on the Money Market Fund, including fees and expenses, please request a brochure and prospectus. Please read the prospectus carefully before investing or sending money.

Cash Management Program Features

Janney Advantage enables you to consolidate all your banking and brokerage accounts into one easy-to-manage account with one monthly statement tracking your financial activity.

Check Writing

Both your initial check order and any re-orders are free. There is no dollar minimum per check. Payee information is displayed on your monthly brokerage statement, as well as included in a year-end summary statement.

Platinum Debit MasterCard®

The Platinum Debit MasterCard®, issued through Mellon Trust of New England, gives you worldwide purchasing power at millions of merchants. Member benefits include travel and accident insurance, roadside service, extended warranty insurance, and the Janney Rewards^SM program.

Janney Rewards^SM

Janney Rewards^SM accumulates one point for every dollar spent using your Janney Advantage Platinum Debit MasterCard®. There are no monthly or annual fees, and points add up quickly – rewarding you with free air travel, luxurious hotel stays and car rentals. Learn more

ATM Withdrawals

You can use your Platinum Debit MasterCard® to withdraw cash at Automated Teller Machines (ATMs) in the MasterCard®, Cirrus® and Maestro® networks, and to obtain cash and traveler's checks at banking offices worldwide. Transaction fees incurred at ATMs will be credited back to your account.**

**Some exceptions apply

Automatic Deposits and Withdrawals

You can automatically direct funds to move in and out of your account.

24-Hour Account Access

Money fund balances, yield and dividend information as well as Janney Advantage   transaction histories are available 24-hours a day by telephone or by visiting our online banking services website. Online information can be easily downloaded into personal financial management software packages.

Online Bill Payment

Pay bills online to any biller with a U.S. address - including merchants, utility companies, individuals or businesses. You can choose from a pre-established list of common merchants or create a personal list of individuals and companies. Make a single payment or establish a set payment schedule to any biller.

Statements

Your monthly brokerage statement includes all brokerage and cash management activity. In addition, all business and personal expenditures are organized and categorized on one year-end annual summary statement.

Ask your Financial Consultant for details or call 1-800-JANNEYS and speak to one of our nearly 1000 Financial Consultants.

To view the current yields on the money market funds, click here.

To view the procedures for establishing Automatic Direct Deposit Services, click here.