FAQ

Q.	What products are available?
A.	A full product line, including: stocks, options, bonds and mutual funds.

Q.	Do you have IRA accounts?
A.	Yes, we act as custodian for self-directed, IRAs, Rollover, SEP, Roth and Educational IRAs.

Q.	Do you have money market rates for funds awaiting investment?
A.	Yes.

Q.	Do you have research available?
A.	Yes. You can get research from a variety of sources on an as-needed basis.

Q.	How does your automated service work?
A.	It's simple. Using our Internet site on the World Wide Web, you can access quotes and account information or place trades 24 hours a day, 7 days a week.

Q.	What are the computer requirements?
A.	You can use any computer with Internet access and World Wide Web browser software.

Q.	Do I have to enter my trades using my PC or a telephone?
A.	No. We provide live brokers to assist you (there's a small additional fee).

Q.	Do I have to open a margin account?
A.	All clients will be required to sign a margin agreement, but customers are not required to maintain a debit balance.

Q.	Does signing the margin agreement mean that you can use my stock as collateral or lend it out even when I do not have a debit balance?
A.	No. We can only use your stock as collateral when you owe us money. If you do not have a debit balance your stock is not available for loan.

Q.	What is the minimum deposit required to open an account?
A.	$10,000 in cash or marginable securities.

Q.	What other costs are associated with my account?
A.	We have made our fee schedule simple. Beyond commissions and a handling fee, certain fees may apply for services rendered (wire transfers, stock registration, etc.).

Q.	How long do my open (good-'til-cancelled) orders stay open?
A.	All open orders are cancelled at the end of every calendar quarter.