866-WH-Direct • www.whummer.com
We all know the fundamental rule of money management:
keep your cash working. When money is idle, inflation
causes it to lose its earning power. With an Advantage Account,
your cash is always working for you. Our Advantage Account
incorporates all the financial services you need to develop and
maintain a successful financial plan. By offering many of the
convenient features of banking—including checkwriting and a
Visa® Gold Check/ATM card1—this personal cash management
program lets you take a comprehensive approach to managing
your investments, your retirement savings, and even your everyday
ADVANTAGE ACCOUNT BENEFITS
The Advantage Account is based on the concept of continual
investment. Here's how it works:
• Your Advantage Account includes all of your investment
transactional activity, making financial management
organized and easy.
• All excess cash in your Wayne Hummer account is invested
in an FDIC-insured option2 or one of several money-market
• Your money is never inactive; all earned interest, dividends,
and deposits in your account are swept daily and reinvested
into your selected sweep option.
• If you elect direct deposit, all or a portion of your paycheck
or social security check will begin earning interest
• You can even have money transferred from your other bank
accounts into your Advantage Account on a regular basis.
CHOICE OF SEVERAL SWEEP OPTIONS
Your cash, when not invested in stocks or other securities, is
invested in one of several sweep options—whichever one you
choose. Every day your dividends, interest, and excess cash are put
to work to increase your earnings power—automatically.
DETAILED MONTHLY STATEMENTS
Each month, you'll receive an easy-to-follow statement that recaps
all account activity, including your securities positions, purchase
and sale activity, interest and dividend credits, and margin activity.
The statement will also include all cash transactions from check-
writing to che