Ameritrade Financial Services Brokerage Service If you need a trading service more than trading advice, Ameritrade® Financial Services is for you. Ameritrade Financial Services is a provider of online brokerage services offered through your Credit Union. Ameritrade Financial Services offers trading on stocks, bonds, mutual funds, options and debt securities. Settlement of trades is handled electronically through your Credit Union Checking or Savings Account, or IRA Accumulation Account. Ameritrade Financial Services offers three ways to trade: Online Interactive Voice Response (IVR) telephone system Registered broker Other services offered by Ameritrade Financial Services include: Margin/Option Accounts Trust Accounts Employee and Incentive Stock Options (ESOP) and (ISOP) Dividend Reinvestment on selected stocks Annual Reports and Proxy Statements Free real-time quotes* Market research and investor education tools including screening tools, historical charts and financial calculators Electronic statements and trade confirmations Commission savings for broker-assisted trades can be as much as 60% over full-cost brokerage firms and less than other well-known online brokerage firms. Trades executed through the IVR telephone system are just $24.95. For investors who have internet access, you can open an account and trade listed and NASDAQ stocks for $19.95. Check out the Web site to get the special Internet commission schedule on option trades. Certificates are held in your brokerage account in safekeeping at no additional cost to you. However, there is a nominal fee if you wish to have the certificates delivered. For an Ameritrade Financial Services brochure or account application, contact your local Credit Union representative or send us an email today! *Completed quote agreements necessary prior to receipt of real-time quotes. Ameritrade Financial Services, Division of Ameritrade, Inc., member NASD/SIPC. Brokerage services provided exclusively by Ameritrade, Inc. Securities products offered are not FDIC nor NCUA insured and are not obligations or deposits of, or guaranteed by, any bank, credit union or savings institution and involve investment risk including the possible loss of principal. Ameritrade Financial Services and logo is a trademark of Ameritrade IP Company, inc. Used with persmission. © 2002 Ameritrade IP Company, Inc. All rights reserved. LifePlan - Financial Planning In today's complex financial environment, getting where you want to go requires knowledge and sound financial planning. No matter what your objectives, it takes planning. The Credit Union offers a comprehensive financial planning service -- LifePlan. This service is for everyone -- no matter what your age or financial status. LifePlan offers programs for those just beginning their careers to those contemplating retirement. Some of the services include: Comprehensive Financial Planning Money Management Investment Advice Financial Independence/Retirement Planning Risk Management Estate Planning Retirement Plans Supplemental Retirement Plans Investments Insurance If you would like assistance identifying your resources, analyzing your objectives and mapping out a strategy to help achieve your financial goals, seek the services of a qualified financial representative from LifePlan. For additional information, call (314)771-7700 or (800)325-9905 ext. 212. The insurance and investment products offered by LifePlan are not insured by the National Credit Union Administration (NCUA) or any other state or federal agency which insures deposits; are not a deposit or other obligation of, underwritten or guaranteed by, the Credit Union or any affiliate; and, are subject to investment risks, including the possible loss of principal invested or premiums paid. Registered Representative offering Securities through WS Griffith Securities, Inc., a registered broker/dealer. Member NASD/SIPC. 700 Corporate Park Drive, Suite 300, Clayton, MO 63105. (314)726-2300. WS Griffith is not affiliated with LifePlan. Allmerica Financial Consistent with our mission to provide quality financial services to our members, your Credit Union has an established alliance with Allmerica Financial. Your Allmerica Financial representative can provide financial services to assist you in reaching your long-term financial goals. Services available include: Retirement Planning Education Funding Planning Investment Planning Employee Benefit Reviews Estate Planning Tax Strategies Business Planning Insurance Planning We believe this service will be effective in helping you achieve what is important to you. Schedule a no-cost confidential consultation with the Allmerica Advisor nearest today. Simply call: Branch Allmerica Advisor Phone Number Cartersville, GA Richard J. Lombardi, CFS, Stephan C. Oster, ChFC, CFS Amanda S. Fischer, CFS (770) 606-3240 Columbus, OH Gary L. Forry (800) 997-4449 Fort Collins, CO Gary D. Keitzmann, CFP (970) 206-9535 Houston, TX Ann Hauser Laufman, LUTCF (713) 783-5847 Merrimack, NH Raymond R. Noel (603) 429-0434 Newark, NJ Saul M. Simon, CFP, CFS, RFC (732) 743-4223 San Antonio, TX Ann Hauser Laufman, LUTCF (800) 405-1945 Tampa, FL Lenzo Canty, CPA (813) 985-8552 Williamsburg, VA John Bennett (757) 561-1599 Representatives of First Allmerica Life Insurance Company, Allmerica Financial Life Insurance and Annuity Company (licensed in all states except NY), Life Insurance &Annuities. Registered Representatives of Allmerica Investments, Inc. Mutual Funds and other securities. Products and services provided: (1) are not Federally insured; (2) are not obligations of the credit union; (3) are not guaranteed by the credit union or any affiliated entity; (4) involve investment risks including the possible loss of principal; (5) Allmerica Investments, Inc. is not affiliated with the credit union. Securities offered through Allmerica Investments, Inc, member NASD-SIPC, Allmerica Financial's broker-dealer. Anheuser-Busch Employees' Credit Union - Allmerica Investments' Registered Branch Office 775 Gellhorn, Houston, TX 77029 (713) 676-0939. All other locations are non-branch offices of Allmerica Investments, Inc. Allmerica Investments, Inc., 440 Lincoln St., Worcester, MA 01653 (508) 855-1000. (01-706w) 11/01 Allmerica Financial Life Insurance and Annuity Company, First Allmerica Financial Life Insurance Company, Allmerica Investments, Inc. and Allmerica Investment Management Company, Inc., and their representatives may only transact business and/or personally respond to resident inquiries if first appropriately registered and/or licensed in a state. This communication is designed to be general information concerning products and services available through one or all of Allmerica Financial's companies and is not intended to be nor should it be interpreted as effecting or attempting to effect transactions in securities, or the rendering of personalized investment advise for compensation.