INSITE 2011

Albridge is a leading provider of enterprise solutions, custom technology and business consulting services to institutional and retail financial organizations and independent registered investment advisors. Albridge Solutions draws upon its financial services experience and technology expertise to help financial organizations enhance their operating performance and maximize their productivity. Albridge’s wealth management technology consolidates and reconciles client account information from hundreds of data sources that represent banking, brokerage, insurance, retirement, managed accounts and more.

iNautix offers world-class business and technology solutions to help financial services organizations and registered investment advisors optimize operational performance across their entire organizations. Also offering solutions in the areas of document management and workflow solutions, iNautix features compliance solutions and compensation management, business intelligence and data warehousing, operations consulting, custom development and hosting. With deep industry experience, iNautix helps you maximize your productivity, increase operational efficiency and improve profitability.

Coates Analytics is a business intelligence and analytics provider specializing in distribution, key accounts management, compliance, risk management and workflow solutions—exclusively for financial services firms. We offer three market-leading technology solutions: Distribution Management System, Intelligent Dashboard and Subadvisor Certification Solution. Our Distribution Management System provides critical sales reporting and competitive market analytics to help financial services professionals identify their best distribution opportunities and analyze key drivers of profitability. The Coates Intelligent Dashboard offers exception-based processing and critical metrics in an intuitive display to help firms mitigate risk and evaluate performance. Our Subadvisor Certification Solution is a compliance workflow solution that streamlines the oversight of subadvisor relationships by standardizing the process of collecting, reporting and evaluating compliance data.

Pershing’s alternative investments offering provides you with access to a breadth of alternative investments through your brokerage accounts. Consolidated reporting allows you to more efficiently and effectively manage investments, and enables you to aggregate alternative investment positions from multiple providers with other assets in your accounts.

Subscribe®, Pershing’s annuity platform, provides automated order entry and allows you to consolidate existing contracts in your clients’ brokerage accounts—offering a streamlined and straight-through solution for processing and managing annuities. Available through NetX360, investment professionals can electronically submit annuity transactions, view consolidated annuity contracts at the subaccount level with daily balance updates and interface with many of the country’s leading insurance companies.

Pershing offers access to all available domestic exchange-traded funds (ETFs) and exchange-traded notes (ETNs). Plus, our innovative ETF Center, which uses data provided by Morningstar®, is provided at no additional charge to NetX360 users. ETF Center includes searchable, detailed information on over 900 ETFs and ETNs and other exchange-traded products. You can compare ETFs to individual stocks or mutual funds, screen ETFs by a variety of criteria and find ETFs based on market performance. You also have access to robust product and educational materials from many ETF providers, including tools, data and reports from Morningstar, Inc.

Pershing’s Federal Deposit Insurance Corporation (FDIC)-Insured Bank Deposits Program enables you to offer insured deposit accounts to clients who may be wary of keeping cash in a brokerage account. The FDIC-Insured Bank Deposits Program provides convenient FDIC insurance on cash balances up to $2.5 million through a multi-bank investment approach. At the end of each business day, your client’s uninvested cash sweeps into FDIC-insured bank accounts, providing immediate liquidity and an automatic way for your clients to earn additional income.

Pershing’s mutual fund offering provides you with access to a network of more than 18,000 mutual funds—including offshore funds—from more than 500 fund companies. With a choice of over 4,200 no-transaction-fee funds from 230 companies, it is truly possible to customize your clients’ portfolios to their specific needs. You also can consolidate your clients’ mutual fund holdings onto a single platform, helping you simplify your day-to-day activities so you can focus on your business.

Pershing's Cash Management Choice Program provides a choice of more than 140 money market mutual fund investment options, including multiple share classes, investment minimums and investment categories from six industry-leading money market mutual fund providers. These investment options provide your clients with the opportunity to earn income on idle cash in their brokerage accounts. At the end of each business day, the Cash Management Choice Program sweeps uninvested cash into a money market mutual fund, providing immediate liquidity and an automatic way for your clients to earn additional income.

At Pershing, we believe that helping you ensure an extraordinary experience for your client is paramount to driving business results. We partner with our customers to create investor communications that reinforce your brand—focusing on providing the right level of information in a clear, easy-to-understand format. By supporting your focus on building your relationships with your clients, we can deliver an experience that will result in greater loyalty and positive word of mouth.

Pershing Managed Account Solutions provides access to a comprehensive suite of fee-based advisory solutions. We take a highly consultative approach to help you determine the products, program and service offerings that best fit your business needs. You may choose a pure open-architecture environment or more packaged turnkey solutions offered through our affiliate, Lockwood Advisors, Inc. The technology, advisory and business development support we provide are intended to help you attain scalability and strengthen your client relationships through an improved and consistent managed account experience.

NetX360 provides one complete solution to manage your firm’s business, including commission or fee-based, advisory and managed accounts. With NetX360, you gain an environment tailored to your business, without sacrificing the efficiency and security of Pershing’s platform. NetX360 enables you to manage your business processes and investment activities from a single platform. It provides one-stop access to a host of resources to support your business, including operations, compliance, product and practice management solutions and trading and account management.

NetExchange Client®, Pershing's platform for individual investors, helps you attract and retain clients by allowing them to access their investments online as a complement to the services you provide. The platform can be customized to offer Web solutions for full service firms, wealth management firms, discount brokerages, self-directed mutual fund companies, banks and global investors. NetExchange Client turnkey platforms are also available and provide clients with a low-cost way to manage accounts via the Internet.

Transferring your clients’ existing, directly-held mutual fund and annuity positions onto a consolidated platform allows you to truly manage your clients’ assets. In addition to increased efficiency, centralized servicing and consolidated statements and tax reporting, Pershing’s single, open-architecture platform offers automated functionality, one source for books and records, investor suitability information, breakpoint calculators for mutual fund business and much more.

Pershing provides tools, functionality and reports to aid your firm with its compliance, supervisory and surveillance efforts. Pershing’s deployment of the Actimize surveillance suite includes an online case management application that compliance professionals can tailor to meet their unique risk profiles. This award-winning offering provides the tools you need to remain compliant in a dynamic regulatory environment.

At Pershing, our firm-wide service excellence program aims to improve and enhance your experience. All day, every day, we are in the business of anticipating and exceeding your needs. This is why service excellence means so much to us. Our service is about quality and reliability, defining expectations and measuring how we deliver on our promises.

Pershing Advisor Solutions (member FINRA, SIPC), an affiliate of Pershing LLC, is a leading provider of financial business solutions to independent registered investment advisors and dually registered advisors working with many of Pershing’s introducing broker-dealer customers. The combination of a revolutionary advisor workstation, a suite of products that respond to the sophisticated needs of affluent investors and practice management solutions to address the critical business challenges facing the advisor of the future, allows Pershing Advisor Solutions to deliver superior expertise and scalable, customizable solutions so customers can manage and grow their fee-based businesses.

Pershing Prime Services, a service of Pershing LLC, delivers a comprehensive suite of global prime brokerage solutions, including access to securities lending, dedicated client service, robust technology and reporting tools, worldwide execution and order management capabilities, a broad array of cash management products and business consulting solutions through the integrated platform of BNY Mellon.

Pershing's Practice Management Program acts as an extension of your business by bringing you a wide range of customizable and turnkey solutions that address your most pressing business challenges—driving growth, optimizing human capital, maximizing operational efficiency and managing risk. In addition to personalized consultation, you can access business resources such as independent studies, guidebooks, interactive tools, templates and educational events. You can also leverage a network of industry-leading providers to achieve your objectives and give your firm a competitive edge. By providing access to the latest information, best practices and business support when you need it, Pershing helps you identify opportunities and provides step-by-step implementation strategies to help you achieve your goals.

Pershing enables your clients to go paperless by turning off paper delivery of their brokerage account statements and trade confirmations. To help your firm develop a campaign to encourage clients to go paperless, Pershing has created a library of electronic and printed collateral for your use.

Retirement may be the key to your business. There is a $303 billion retirement money-in-motion opportunity each year in the form of IRA rollover and transfers of IRAs and taxable assets earmarked for retirement. Becoming the “Retirement Solutions Provider” for your clients drives significant asset gains. We can offer you a full range of IRA products, service and tools to become a primary Retirement Solutions Provider and help you develop a comprehensive marketing program.

Pershing can offer a 12-week, Life Stage e-mail program that will enable you to “bundle” Pershing product offerings to support the needs of your clients at different points in their lives, and convey best practices on how our solutions can be used to expand client relationships. The program is focused on five distinct life stages: the young investor, building wealth, managing wealth, entering retirement and living in retirement.

Pershing offers you support for products and services we make available to you. We can review your current offerings and help you create and define a strategic implementation plan while serving as the primary manager and facilitator to execute an agreed-upon implementation strategy. In addition to this service, we can assist with home office, investment professional and sales assistant product training to boost awareness, adoption and utilization of Pershing’s investment solutions.

Pershing offers an extraordinary breadth of qualified savings solutions to help you grow your business, including IRAs, employer-sponsored plans and health and education savings accounts. With services aimed at both employers and individuals, you gain access to marketing resources, financial calculators and planning tools, as well as educational services to support this important source of asset growth. Pershing is developing a 529 Plan offering that will be fully transactional via NetX360. The plan is expected to become available in early 2012.

Access our non-U.S. dollar execution capabilities on more than 65 exchanges through our local relationships in over 60 countries, our extensive market knowledge and our agency-only approach that puts your interests first. Our experienced traders handle listed U.S. equities, American Depositary Receipts and foreign ordinary shares in 26 countries.

Expand your access to fixed income products by leveraging BondCentral®, our fixed income trading platform, which includes secondary offerings, new-issue products, portfolio analytic tools, educational content and market expertise from a knowledgeable and service-oriented sales desk.

Pershing is pleased to announce the launch later this year of our enhanced asset management account, Corestone Account™, which will replace ProCash Plus®. This powerful tool raises the bar in asset management service and product excellence by providing a more robust program, offering more flexibility, greater ease of use and a straightforward fee structure. Available in four levels for individuals, along with corporate versions, the account offers enhanced benefits such as a Visa® debit card, ATM access, a loyalty rewards program and more.

Offer your clients an additional revenue stream with Pershing’s fully paid securities lending program. Investors who have fully paid positions in their cash accounts can loan those securities to Pershing. Your clients maintain positions in their accounts for purposes of cost basis calculations, tax-lot accounting, hedges and holdings representation. At the same time, they receive rebate income on a monthly basis and substitute payments for dividends on loaned shares. Proxy voting rights and Securities Investor Protection Corporation (SIPC) coverage must be forfeited on loaned securities.

To help your clients leverage their non-U.S. dollar currency and equity balances, Pershing offers global margin lending, which enables your clients to hold short currency positions in their brokerage accounts. Clients who believe that one currency may be weaker than another can sell short the weaker currency and buy the stronger currency. Equally important, global margin lending will allow your clients to pledge their non-U.S. dollar assets as collateral—increasing their overall buying power.

Your clients can take advantage of the value and borrowing power of the investments in their brokerage or managed accounts with LoanAdvance®. This securities-based, consumer-lending tool offers your clients access to a loan at competitive interest rates and flexible borrowing terms. With a quick approval process, clients can access funds via check request, Fedwire® or a checkbook. Best of all, there is no required repayment schedule, no application or filing fees and no prepayment penalties.

Trusts are one of the most important planning tools for households with more than one million dollars in investable assets. Pershing’s Trust Network provides you with access to a variety of trust services through a choice of corporate trustees. This open-architecture program provides a full menu of solutions geared to meet virtually any personal trust need, whether full-trustee, agent-for-trustee or trust-reporting services.