|
ROLLOVER
CENTER |
| |
|
| |
STIFEL NICOLAUS |
| |
|
|
Investment StrategistTM
Stifel Offers Access to Surcharge-Free ATM Network
July 2008
|
As an added convenience to our clients, Stifel
Prestige �
Accounts Debit MasterCard�
holders now have
access to the MoneyPass�
ATM network.
The MoneyPass �
network offers
coast-to-coast access to thousands of surcharge-free ATMs. With
ATM surcharges averaging around $2 per transaction, MoneyPass�
can provide you not
only with numerous convenient locations from which to access your
money, but a potentially significant cost savings as well.
MoneyPass�s �
ever-growing
network includes well-located, accessible locations that include
bank and credit union branches, convenience stores, grocery
stores, restaurants, discount retailers, and more.
Whether you keep your travels close to home or hit
the road often, look for the MoneyPass �
logo to avoid
costly surcharges. Finding the MoneyPass�
ATM location
nearest you is easy. Simply visit www.moneypass.com and use the
ATM locator, which will provide you with a list of the most
convenient ATMs.
|
 |
The Stifel
Prestige�
Accounts Debit MasterCard�
Features Fraud Protection
You may not know it, but you have around-the-clock
protection against the increasingly savvy perpetrators of debit card
fraud. That�s because your Stifel Prestige �
Accounts Debit
MasterCard�
is protected by FraudWatch�
PLUS.
Through an important partner of ours, we provide
industry-leading technology, tools, and the expertise to manage fraud.
Experienced fraud analysts work around the clock, watching for any
suspicious card activity, and will deactivate your card immediately
after a suspected fraudulent transaction.
So if you are having trouble attempting to make a
purchase and suspect your card may have been blocked due to fraud
monitoring, dial 1-877-Stifel-4 and press option �6.� You will be
immediately connected to a �live� fraud analyst, available 24 hours a
day/7 days a week to help resolve the issue. Fraud is serious business
and can hit any time. That is why we are working to detect and prevent
fraud from happening to you.
V i s i o n
� P l a n n i n g
�
Focus
SNINS060801 |
|
|
|
|
|
|
|
Frequently Asked Questions About Your Stifel Prestige �
Accounts Debit MasterCard�
What steps can I take to help protect my debit card
account?
1) Sign your card on the signature panel as soon as
you receive it.
2) Never write down your PIN � memorize it.
3) Review your account statements promptly and
thoroughly.
4) Guard your account numbers. Never give your card
numbers to unsolicited callers.
5) Treat your cards and your PIN like your house keys.
Never let them out of your sight.
6) Before making an online purchase, make sure the
merchant is reputable by locating an image of an �unbroken key� or
�closed lock� security icon in the corner of your browser window.
7) Legitimate businesses never e-mail customers asking for
passwords or updated information.
|
 |
What does MasterCard �
do
in the event that there is a charge on my account that I did not
authorize?
As a MasterCard �
cardholder, you
have the benefit of not being liable in the event of the
unauthorized use of your U.S.-issued MasterCard�.
Coverage extends to purchases made in a store, over the telephone,
or on the web.
If you suspect unauthorized activity on your
account, stop using your card and contact the financial
institution that issued your card as soon as possible.
How do I get emergency assistance while traveling?
In order to receive emergency assistance, you can
call the MasterCard �
Assistance Center
with any card-related need from anywhere within the world. Within
the United States call 1-800-MC-ASSIST (1-800-622-7747). |
What is a Card Validation Code (CVC) and what is its
purpose?
Your CVC is a three-digit number printed on the back
of your debit card. It provides additional proof of authenticity for
online and phone orders.
What is MasterCard �
SecureCode?
MasterCard �
SecureCode is an added
security feature available to protect your activity when making online
purchases. MasterCard�
SecureCode is initiated
on a retailer�s web site and interacts with both you and your card
issuer. When you are ready to complete an online purchase, an in-line
window appears asking you to enter a unique personal coder that has
been registered with your card issuer. The card issuer then
authenticates the cardholder and provides the electronic retailer
evidence that your identity has been authenticated.
What is MasterCard�s Zero Liability Policy?
As a MasterCard �
cardholder, you�re not
liable for any fraud losses on your account. You won�t be responsible
for unauthorized purchases made in a store, over the phone, or online,
provided your account is in good standing, you�ve exercised reasonable
care in safeguarding your card, and you have not reported two or more
unauthorized events in the past 12 months.
|
Fee Schedule and Order
Execution |
Fee Schedule
Order Execution
As a member of all of the nation�s leading exchanges,
Stifel can execute stock and bond orders on the exchange floors and in
the over-the-counter market. Pursuant to SEC Rule 10b-10, as amended
in October 1995, all broker-dealers are required to disclose their
policies with respect to payment for order flow practices.
Stifel receives from certain market centers
either cash payments or credits against exchange fees, which is
considered compensation to it in return for the routing of orders to
these market centers. This remuneration does not affect the price
reported to our clients, and it will be disclosed upon written
request.
Stifel did not receive any monetary payment
for directing orders to third parties for execution during the
calendar year ended December 31, 2007.
Stifel monitors the performance of competing
market centers and routes orders to those that consistently complete
transactions on a timely basis, at a reasonable cost, and that
guarantee execution at the national best bid or offer.
Whenever possible, Stifel routes orders to
market centers that offer, through automated systems, an opportunity
for price improvement to the client.
Stifel, Nicolaus & Company, Incorporated
� Member SIPC and New York
Stock Exchange
� One
Financial Plaza, 501 North Broadway, St. Louis, Missouri 63102
� www.stifel.com
|
|
|
