A brokerage account with Modern Woodmen of America allows you to buy and sell securities such as stocks, mutual funds, corporate and municipal bonds, treasury securities and unit investment trusts. Comprehensive asset management accounts also allow you to combine your brokerage, check-writing, money market fund and Master Card^® debit card activity into a cohesive package, which is reported to you on a single consolidated statement.

Advantages  

Automatic reinvestment 
Dividends and capital gains from your portfolio holdings can be automatically reinvested, allowing those assets to continue to grow.  Alternatively, you can have your distributions deposited in a money market fund, making them readily available.  

Cost-basis calculations
Cost-basis calculations can be shown on Modern Woodmen brokerage account statements.  These calculations make it easy for you to determine the potential gain or loss you might incur, before you commit your funds.  

Margin accounts
Margin accounts may be opened for sophisticated investors seeking to leverage their buying power.  In margin accounts, borrowing power is used to purchase additional securities or as a line of credit, extending your financial reach.  The amount you borrow will accrue interest charges, and your available credit limit will be determined by considering the value of your marginable securities.  

Account options
You have access to three different brokerage accounts with varying levels of service and unique privileges: 

Account	Minimum Investment	Free Check Writing	Monthly Statement	ATM Access	ATM Fees Waived1	Frequent-Buyer Rewards	24-Hour Customer Service	No Annual Fee IRA2	Annual Fee
Regular Brokerage*	$1,000	Any amount	Yes, if any activity	No	No	No	Yes	No	$03
ProCash Plus Gold	$10,000	Any amount	Yes	Yes	Yes	Yes	Yes	No	$75
ProCash Plus Platinum	$20,000	Any amount	Yes	Yes	Yes	Yes	Yes	Yes	$125

*Those who wish to add check-writing capabilities to a Regular Brokerage Account may wish to establish a ProCash Plus Silver Account, which includes: 1)No annual fee, assuming a monthly minimum account balance of $5,000 as of the second-to-last business day of the month, otherwise a $2.00 fee will be applied on the last business day of the month. 2) Initial check order quantity of 40 checks. You may reorder checks in quantities of 200 (reorder fees will apply). Check book cover and check register included. No per check minimum, payee data available online.

Access to investments
Within your brokerage account, you can buy and sell:  

Stocks
Stocks listed on the New York Stock Exchange (NYSE), American Stock Exchange (AMEX) or NASDAQ exchanges can be traded, as well as unlisted stocks that trade over the counter.   

Bonds
Through a Modern Woodmen brokerage account, you can access the following types of bonds:

• Corporate bonds
• Municipal bonds
• Treasuries
• Agencies (GNMA, FNMA)
• CMOs
• Asset-backed securities              

Mutual funds
You can easily secure the benefits of diversification and professional money management by choosing from our selection of more than 10,000 mutual funds.  

Control
With a Modern Woodmen brokerage account, you can control an entire investment portfolio from one account.

Brokerage Services with Modern Woodmen
For more information about brokerage services, contact your local Modern Woodmen representative or call our home office trading desk toll-free at (866) 790-7092.