ACH REQUESTS

• ACH is the preferred cashiering method - No Fees.
• Complete ACH Application for initial request, and submit by mail or fax along with a voided check. All ACH transactions will be verified by bank ping or telephone call.
• DO NOT submit an ACH request until the ACH relationship is established.
• $50,000 limit per day (incoming and outgoing).
• Takes 24-72 hours to be established. You will be contacted when active.
• Corporate brokerage account must have corporate bank account.
• ACH relationship is not allowed for custodial accounts, including UGMA and UTMA.

CHECK DEPOSIT (in US Dollars):

Please refer to the check funding instructions below to avoid having your check returned to you as unacceptable.

Acceptable Check Deposits

• Checks must be payable in U.S. dollars and through a U.S. bank.
• Personal checks must be drawn from a bank account in an account owner's name and must include "Jr" or "Sr" if applicable.
• Checks from joint checking accounts may be deposited into either checking account owner's MoneyBlock account.
• Checks from an individual checking account may be deposited into a MoneyBlock joint account if that person is one of the account owners.
• Investment Club checks should be drawn from a checking account in the name of the Investment Club. If a member of the Investment Club remits a personal check, the check must be payable to: "Apex Clearing / FBO the Investment Club name." ("FBO" stands for "For the Benefit Of")

Unacceptable Check Deposits

• Coin or currency
• Cashier's check
• Money Orders
• Foreign instruments
• Thrift withdrawal orders
• Domestic drafts
• Checks that have been double-endorsed (checks with more than one signature on the back)
• Third-party checks not properly made out and endorsed per the rules stated in the "Acceptable Deposits" section above
• Checks from minors
• Check dated over six months old
• Travelers checks
• Credit card checks

INCOMING WIRE TRANSFERS (in US Dollars):

Requests to wire funds into your MoneyBlock account must be made with your financial institution. Please have the bank include the sender name on the wire. This information must be included for the transfer to be credited to your account. A rejected wire may incur a bank fee. The firm does not typically accept third-party wires. Only under certain circumstances will an exception be made (i.e. there is confirmation of ownership and the relationship), and such wire request will be subject to review, require verification prior to acceptance and may be returned. Third-party foreign wires are not accepted under any circumstances.

A wire from a joint bank/brokerage account may be deposited into a MoneyBlock account by either or both of the joint account owners.

A wire from an individual bank/brokerage account may be deposited into a MoneyBlock joint account if that person is one of the MoneyBlock account owners.

Please send USD incoming wires as follows:

BMO Harris Bank
111 W. Monroe St.
Chicago, IL 60603

ABA: 071000288 (for non-domestic USD wires, use SWIFT Code: HATRUS44)
Acct: 3713286
FBO: Apex Clearing Corporation
FFC: Account Holder's Name, MoneyBlock Account Number

IMPORTANT NOTE: Without FFC Information, your wire may be rejected. If your bank does not have a specific FFC instruction field, enter the Account Holder's Name and Account Number in the "Message to recipient" or "Message to recipient bank" field.

AVAILABILITY OF FUNDS

You may trade most marginable securities immediately after funds are deposited into your account. However, these funds cannot be withdrawn or used to purchase non-marginable securities, initial public offering (IPO) stocks or options during the first six business days. This holding period begins on settlement date.

Please contact MoneyBlock for more information.