Getting Started: What is WFNInvest? Where do I open an account? Help with the online application? What kind of account should I open? Can I transfer another brokerage account of mine into my WFNInvest account? How do I open a retirement account? What happens if I have cash in my account? How do I deposit cash or checks into my account? Is there a minimum balance required to open an account? Do I need to maintain a minimum balance in my account once it is opened? What are the costs associated with (using services) provided by WFNInvest? What are some of the advantages to using WFNInvest as my online broker? Will I get statements? What are the hours for customer service?

WFNInvest FAQ: How do I know my money is safe at WFNInvest? What are the commissions I will be charged? Other than stocks, what financial products can I buy and sell in my brokerage account? How do I know that my order went through? What do I do if I make an error when inputting an online trade? Where can I get help while inputting a trade? Where are WFN at Siebert's offices? What is a margin account? Is there a minimum number of shares I can buy? How do I know that my transactions are secure? Can I write checks and make charges and ATM withdraws on a debit card against my brokerage account? How do taxes impact my investments? Which web browser is best with WFNInvest?

What is WFNInvest? WFNInvest, a division of Muriel Siebert & Co. provides on and off-line discount brokerage services to account holders. Created by women, for women, WFNInvest is a complete brokerage solution from retirement accounts to stocks, bonds, options and more. As a WFNInvest account holder you will enjoy the same top-quality investment products and services that Siebert customers have come to know and trust since 1967. back to top Where do I open an account? Opening an account is easy. You can: Apply online for some account types. Our New Account Wizard makes it easy. Go there now. Call us at 1-877-WFN-4YOU (1-877-936-4968) and request that a new account application be mailed to you. Just mail the signed application back to us and you can get started. Visit a WFNInvest branch and open an account with a representative. back to top Help with the online application? Net Worth What do you own once you subtract what you owe? Tax Bracket When filling out your tax return, which tax bracket do you fall into? If you are not sure, contact an accountant or tax professional who can help. Where to put your cash between investments If there is excess cash in your account, WFNInvest will sweep the balances into one of its Capital Reserve Money Market Funds. In this way, you will earn interest on your un-invested funds. To request a prospectus that details information on each of the funds available, please contact us at 1-877-WFN-INVEST (877-936-4683). Risk Tolerance How much risk are you able to assume with your brokerage account? Click here for more information on this and other basic investment concepts. Time Horizon How long to do you expect to hold your investment before you sell it? Click here for more information on this and other basic investment concepts. What kind of account should I open? There are several types of accounts for both individual and joint account holders. A complete listing of account typescan be found under the Investments tab. Our different accounts include: Joint Account Custodial Account for a minor Trust Account Corporation or LLC Account Partnership Account Investment Club Account IRA Roth-IRA SEP-IRA 401K Simple Money Purchase Pension Plans Profit Sharing Plans For more information on each of these, please return to the site and visit our learning center or contact a customer service representative at 1-877-WFN-4YOU (1-877-936-4968). back to top Can I transfer another brokerage account of mine into my WFNInvest account? Transferring an existing account is easy at WFNInvest. We'll send you an account transfer form upon your request. Just return it with a complete past statement from your brokerage firm and we'll take care of the rest. Once your account is established at WFNInvest, please allow 10-15 business days for the receipt of your account from the delivering broker if it is a full transfer. Partial or mutual fund transfers can take up to 30 days. Call 1-877-WFN-4YOU (1-877-936-4968) for further assistance. back to top How do I open a retirement account? To receive an application for a retirement account, please call us at 1-877-WFN-4YOU (1-877-936-4968). Retirement account applications are not currently available online. back to top What happens if I have cash in my account? At WFNInvest if there is cash in your account it will be automatically swept into one of our Capital Reserve Money Market Funds. In this way you will earn interest on your un-invested funds. To request a prospectus that details information on each of the funds available, please contact us at 1-877-WFN-INVEST (877-936-4683). back to top How do I deposit cash or checks into my account? We offer electronic funds transfer or you may simply mail us a check. Personal checks, must be drawn on U.S. financial institutions in U.S. dollars. We do not accept third party checks. All checks must be made payable to WFNInvest. Please note: all checks, except those sent to establish an account, should include your account number on the face of the check. Checks should be mailed to: WFNInvest 111 Pavonia Avenue Jersey City, NJ 07310 Wire transfers typically arrive in your WFNInvest account the next business day. In order to fund your account by wire transfer, you must have an established account. back to top Is there a minimum balance required to open an account? Do I need to maintain a minimum balance in my account once it is opened? There is no minimum investment amount or deposit. Additionally, there is no minimum account balance, except for with IRAs. If an IRAs value is under $10,000 you will incur a $30.00 annual fee. back to top What are the costs associated with (using services) provided by WFNInvest? If you compare our rates and services to those of our competitors, you will see that we provide the best value to our customers, on or off the web. For information on our low rates, click here or to speak with a customer service representative call 1-877-WFN-4YOU (1-877-936-4968). back to top What are some of the advantages to using WFNInvest as my online broker? There are many advantages that WFNInvest offers its' clients, ranging from free, up-to-date investment research to after hours trading, real-time portfolio updates and beyond. Click Here for more information. back to top Will I get statements? A detailed WFNInvest monthly statement is mailed to all our customers with account activity that month three business days after the last business day of the month. All accounts holding money or securities, regardless of activity, receive quarterly account statements. In addition, you may access up to a year's worth of account statements online. Tax forms are also available online for your convenience. Use these forms to help you prepare your tax returns, however, if you are required to submit a tax form with your return, please use the original tax form mailed to you. back to top What are the hours for customer service? Customer service representatives are available between 7:30 AM and 7:30 PM (EST), Monday through Friday. back to top How do I know my money is safe at WFNInvest? WFNInvest is a division of Muriel Siebert and Co. Siebert has been in business and a member of the New York Stock Exchange since 1967, longer than any other discount brokerage firm. All Siebert accounts are protected to the total net equity inlcuding 100% of your money market funds at no cost to you. The first $500,000 of coverage is provided by Securities Investor Protection Corporation, up to $100,000 of which can be in cash. Additional protection for cash and securities to supplement SIPC coverage is provided through our clearing agent. back to top What are the commissions I will be charged? For online trades, commissions are $14.95 per trade for up to 1,000 shares and 1.5 cents per share for additional shares after that. Equities only. While this is all we charge, you may have to pay local phone charges and an internet access fee. Click here for commission information on other types of trades. back to top Other than stocks, what financial products can I buy and sell in my brokerage account? You can trade equities, mutual funds, options and some fixed income products in your brokerage account. back to top How do I know that my order went through? All trades are confirmed by mail and are processed no later than the next business day. Online traders will receive an online confirmation of their trade status as well as our standard mail confirm. Along with our standard mail confirm, broker-assisted trades are confirmed by phone. back to top What do I do if I make an error when inputting an online trade? After you input your trade information, you will be asked to verify your order before it is submitted. Should you find an error, simply select "clear entries" and reinput your trade. If after you verify your order you notice an error, you may "attempt to cancel" or "cancel" the order. A cancel request may or may not succeed in canceling the original order, as orders can execute, in whole or in part, while the cancellation is being attempted. Do not consider the original order canceled until its status in the Order Status window is "Verified Canceled". back to top Where can I get help while inputting a trade? There is a customer service representative available between 7:30 AM and 7:30 PM (EST), Monday through Friday to answer any question you may have. They can be reached at 1-877-WFN-INVEST (877-936-4683). You may also find the information you are looking for in the Help section of the trading site. You will find it in the upper right hand corner of your screen. back to top Where are WFN's offices? Beverly Hills 9693 Wilshire Boulevard Beverly Hills, CA 90212 Toll Free: 800-521-2749 Local: 310 BROKERS Fax: 310-788-7888 Click here for map Boca Raton 4400 N. Federal Highway Suite 106D Boca Raton, FL 33431 Toll Free: 800-917-7504 Local: 561-368-8611 Fax: 561-368-9750 Click here for map Ft. Lauderdale 6210 N. Federal Hwy Ft. Lauderdale, FL 33308 Toll Free: 800-521-2236 Local: 954-489-9222 Fax: 954-489-9224 Click here for map Surfside 9569 Harding Avenue Surfside, FL 33154 Toll Free: 800-521-2235 Local: 305 868 0222 Fax: 305 868 5670 Click here for map Jersey City 111 Pavonia Avenue - Suite 310 Jersey City, NJ 07310-1755 Toll Free: 877-936-4683 Local: 201-459-7250 Fax: 201-239-5741 Click here for map Naples 400 Fifth Avenue South Suite 100 Naples, FL 34102 Toll Free: 866-317-4462 Local: 941-435-9787 Fax: 941- 435-9788 Click here for map New York 885 Third Ave, 17th floor New York, NY 10022 Toll Free: 877-WFN-4YOU Local: 212-308-5732 Fax: 212-486-2784 Click here for map Palm Beach 240-A South County Road Palm Beach, FL 33480 Toll Free: 800-521-2699 Local: 561 802 4400 Fax: 561 802 4444 Click here for map back to top What is a margin account? A margin account allows you to invest on margin, or with borrowed money (a margin loan). Margin loans use fully-owned securities held in your WFNInvest account as collateral. Margin loans typically have a lower interest rate than conventional bank loans or credit cards and there are no set-up costs or annual fees. According to Federal Reserve Board regulations, qualified customers can borrow up to 50% of the value of eligible securities held in their account(s) and must maintain a predetermined equity level. You cannot utilize assets held in an IRA or custodial account to qualify for a margin loan. Margin borrowing is not suitable for everyone. Using margin to buy additional securities can offer greater potential returns, but also incurs additional risks. If a price drop in a margined security causes your account's equity to fall below its maintenance requirement, you will receive a margin call. To fulfill a margin call you must raise your account's equity to the minimum acceptable level by either selling securities, depositing cash, or depositing securities that are already fully paid for. Is there a minimum number of shares I can buy? WFNInvest has no minimum trade size, but the number of shares you are trading must always be a whole number, greater than zero. back to top How do I know that my transactions are secure? WFNInvest incorporates powerful electronic security measures. All customer data and trading information is transferred over the Internet using the highest industry-standard encryption technology that is designed to be secure. Additionally, we employ proprietary measures, including requiring accountholders to use a User ID and Personal Identification Number (PIN); recommending the use of 128-bit, 2-way data encryption technologies (a powerful level of online encryption), and 24-hour monitoring of access to WFNInvest data and information. back to top Can I write checks and make charges and ATM withdraws on a debit card against my brokerage account? Free check writing is available for all WFNInvest accounts. Our Visa Debit Card is available for individual and joint accounts only. back to top How do taxes impact my investments? Whether you gain or lose money on your investments, there are tax implications to consider. For more information, please contact a WFNInvest representative at 1-877-WFN-INVEST (877-936-4683) or visit our Learning center's course on tax. back to top Which web browser is best with WFNInvest? Any current browsers will show WFNInvest in its best light. If you want access to the streaming video, you will need the latest versions of any browser such as Netscape 4.0 or better, Microsoft Internet Explorer 4.0 or better, or America Online -- as long as the one you choose has 128-bit encryption. back to top