Ef f icient Cash Management with Stifel Smar t Rate

4.00% APY 1 Keep cash working within your securities account while waiting for that investment opportunity

Scott Carothers Senior Vice President/Investments, Branch Manager

Sam Carothers Financial Advisor (314) 292-6201 | carothes@stifel.com

The minimum initial deposit for Stifel Smart Rate is $100,000.

It is impor tant to note that with the exception of bank products, such as Stifel Smar t Rate, inves t ment produc t s offered throug h Stifel are not F DIC-insured, not bank-g uar anteed, and may lose value Neither Stifel nor its affiliates, including Stifel Bank and Stifel Bank & Trust, monitor the amount of your deposited funds to determine whether those amounts exceed the FDIC insurance limit s applicable to your deposit s at a bank , and they are not responsible for any insured or uninsured por tion of the deposit account s at a bank

You should e x pec t your F inancial Advisor is entitled to receive compens ation in connec tion with the Stifel Smar t Rate P rog r am