ࡱ> RUQ{ bjbjBrBr 8R     zzzzz4pfiii$nziiiiizz*___izz_i___Pxv_@0p_p__zshii_iiiiipiiipiiiiiiiiiiiii  @:  FAQs Q: What are the cut off times for Cash, Margin and Money Markets? A: See Grid below: LocationModePurchase (EST)Redemption (EST)CashCheckn/an/aCashWire2:20 pmn/aCashACH3:30 pmn/aMarginCheckn/a3:00 pmMarginWire2:20 pm5:00 pmMarginACH3:30 pm 3:30 pmMoney MarketCheckn/aFollow fund (see grid below)Money MarketWireFollow fund (see grid below)Follow fund (see grid below)Money MarketACH3:30 pm3:30 pmQ: What are the cut off times for each of the Money Market funds? A: See Grid below: Fund NameFund #Purchase (EST)Redemption (EST)FlexInsured Account Fund1002:20 pm 2:20 pmFederated Treasury Obligation0682:20 pm 2:20 pmFederated Trust for Treasury Obligation0542:20 pm 2:20 pm Q: What is a Standard Wire? A: A Standard Wire is a Wire that is going to the Financial Institution that is registered to the account. Q: What is a Special Wire? A: A Special Wire is a Wire that is going anywhere else other than the Financial Institution that is registered to the account. Q: Is there a Special Wire fee? A: Yes, $25.00 will be deducted from the amount of the redemption. Example: If you redeem $1000.00 to be sent via special wire, $975.00 will be sent to the Special Wiring instructions. Q: Is paperwork required for a Special Wire? A: Yes, a signed LOI must be faxed to the Settlement Department signed by ALL account owners. Q: Is paperwork required for a Check to Financial Institution or Special Check? A: Yes, a signed LOI must be faxed to the Settlement Department signed by ALL account owners. Special Checks can not be processed on-line please fax in the LOI and the Settlement Department will process. Q: What is Is this purchase for an Annuity? A: This Settlement option is used when you have funds that will be wired in for an Annuity Purchase. You must have the Annuity Brokerage Account number, Client last name and dollar amount. Q: Can an account holder withhold State Tax form their IRA Distribution? A: Yes, Cetera does facilitate state withholding for the required states only. Contact IRA Department for more information. Q: What types of IRA Distribution CANNOT be entered online? A: Beneficiary Distributions, Substantially Equal Periodic Payment (72t) Distributions, IRA Internal Transfers. Please call the IRA Department to facilitate. Q: For a special wire or check, out of a Cetera IRA Account, do we need a separate LOI or does having the instructions on the distribution form sufficient? A: The Distribution Form is sufficient for processing. Q: How can you achieve a specific net amount for an IRA distribution? Example: If a client would like to receive a check or wire for $5,000 and they request 10% federal withholding. Divide $5,000/90%(100%-10%) = $5,555 Gross Distribution. Settlements Questions: Please contact us at: Phone: 800.245.0467 ext 64619 Fax: 877.338.9156 IRA Questions: Please contact us at: Phone: 800.245.0467 ext 64689 Fax: 877.338.9154  GHL[\]efjkyzijrZBZBZBZB.h5&h 5CJKH$OJPJQJ\^JaJ.h5&hyV5CJKH$OJPJQJ\^JaJhs9CJOJPJQJaJh CJOJPJQJaJ&hEmh 5CJOJPJQJ\aJ hyV5CJOJPJQJ\aJ hEmh CJOJPJQJaJ$hEm5CJ0KH$OJPJQJ\aJ0*hEmhEm5CJ0KH$OJPJQJ\aJ0$hk5CJ0KH$OJPJQJ\aJ0]fkz$ddd$@&If[$\$a$gd5&ddd@&[$\$gdEm+$ddd$@&If[$\$a$gd5&kd$$Ifl\d, @@@@ t(0644 lap(yt5&      + / 0 4 5 Y ԾԾԾԾԾԾԾԾԾԾԾԕԂԕԫԂԕԫԂԕԕ%hY%CJKH$OJPJQJ\^JaJ*h5&hyV5CJ0KH$OJPJQJ\aJ0%hkCJKH$OJPJQJ\^JaJ+h5&h CJKH$OJPJQJ\^JaJ+h5&hyVCJKH$OJPJQJ\^JaJ*h5&h 5CJ0KH$OJPJQJ\aJ01.kd $$Ifl\d, t0644 lap(yt5&$ddd$@&If[$\$a$gd5&,kd$$Ifl\d, t0644 lap(yt5&$ddd$@&If[$\$a$gd5&.kd$$Ifl\d, t0644 lap(yt5&$ddd$@&If[$\$a$gd5&$ddd$@&If[$\$a$gd5&+$ddd$@&If[$\$a$gd5&kd$$Ifl\d, @@@@ t(0644 lap(yt5&.kd$$Ifl\d, t0644 lap(yt5&$ddd$@&If[$\$a$gd5&   .kdh$$Ifl\d, t0644 lap(yt5&$ddd$@&If[$\$a$gd5&   / ddd$@&If[$\$gdY%$ddd$@&If[$\$a$gd5&/ 0 1 2 3 4 F....$ddd$@&If[$\$a$gd5&kd<$$Ifl\d, t0644 lap(yt5&4 5 B +$ddd$@&If[$\$a$gd5&kd$$Ifl\d, @@@@ t(0644 lap(yt5&B H L j k x .kd$$Ifl\d, t0644 lap(yt5&$ddd$@&If[$\$a$gd5&Y i j k   ! 2 d ӽӽӪӗӽuaS;.h5&hs95CJKH$OJPJQJ\^JaJhs9CJOJPJQJaJ&hEmhs95CJOJPJQJ\aJ hs95CJOJPJQJ\aJ hEmhs9CJOJPJQJaJ%hY%CJKH$OJPJQJ\^JaJ%hkCJKH$OJPJQJ\^JaJ*h5&hyV5CJ0KH$OJPJQJ\aJ0+h5&hyVCJKH$OJPJQJ\^JaJ+h5&hyVCJKH$OJPJQJ\^JaJx } .kd$$Ifl\d, t0644 lap(yt5&$ddd$@&If[$\$a$gd5& $ddd$@&If[$\$a$gdk$ddd$@&If[$\$a$gd5& 2 < F6$ddd$@&If[$\$a$gd5&ddd@&[$\$gds9kd $$Ifl\d, t0644 lap(yt5&< C R c $ddd$@&If[$\$a$gd5&c d } +ddd$@&If[$\$gd5&kd $$Ifl\d\  *T @@@@ t(0644 lap(yt5&} $ddd$@&If[$\$a$gd5&d      & * Ӳ~hWCW&hEmhEm5CJOJPJQJ\aJ hEmhEmCJOJPJQJaJ*hEmhcS5CJ0KH$OJPJQJ\aJ0$hcS5CJ0KH$OJPJQJ\aJ0$h 5CJ0KH$OJPJQJ\aJ0hgCJOJPJQJaJhs9CJOJPJQJaJ%hgCJKH$OJPJQJ\^JaJ+h5&hJCJKH$OJPJQJ\^JaJ+h5&hJCJKH$OJPJQJ\^JaJ +ddd$@&If[$\$gd5&kd $$Ifl\d\  *T  t(0644 lap(yt5& $ddd$@&If[$\$a$gd5& +ddd$@&If[$\$gd5&kd $$Ifl\d\  *T  t(0644 lap(yt5&  $ddd$@&If[$\$a$gd5&   +ddd@&[$\$gds9kd $$Ifl\d\  *T  t(0644 lap(yt5&   0 iGoddd[$\$gdEmddd@&[$\$gdEmddd@&[$\$gds9* . 0 P Q [ \  7 8 hiFGeǥǥ۔)hEmhEm5>*CJOJPJQJ\aJ hg6CJOJPJQJ]aJ h45CJOJPJQJ\aJ hX6CJOJPJQJ]aJ&hEmhEm5CJOJPJQJ\aJ hEmhEmCJOJPJQJaJ&hEmhEm6CJOJPJQJ]aJ,evbe'(?E]ao|}ʹʹʹʗʹʹʗʹʹhR\hgCJOJPJQJaJ&hEmhEm6CJOJPJQJ]aJ hEmhEmCJOJPJQJaJ&hEmhEm5CJOJPJQJ\aJ h45CJOJPJQJ\aJ hg5CJOJPJQJ\aJ61h/R :ps9/ =!"#$% $$If!vh#v#v#v#v:V l @@@@ t(065555ap(yt5&$$If!vh#v#v#v#v:V l t065555ap(yt5&$$If!vh#v#v#v#v:V l t065555ap(yt5&$$If!vh#v#v#v#v:V l t065555ap(yt5&$$If!vh#v#v#v#v:V l @@@@ t(065555ap(yt5&$$If!vh#v#v#v#v:V l t065555ap(yt5&$$If!vh#v#v#v#v:V l t065555ap(yt5&$$If!vh#v#v#v#v:V l t065555ap(yt5&$$If!vh#v#v#v#v:V l @@@@ t(065555ap(yt5&$$If!vh#v#v#v#v:V l t065555ap(yt5&$$If!vh#v#v#v#v:V l t065555ap(yt5&$$If!vh#v#v#v#v:V l t065555ap(yt5&$$If!vh#v #v*#vT#v:V l @@@@ t(065 5*5T5ap(yt5&$$If!vh#v #v*#vT#v:V l  t(065 5*5T5ap(yt5&$$If!vh#v #v*#vT#v:V l  t(065 5*5T5ap(yt5&$$If!vh#v #v*#vT#v:V l  t(065 5*5T5/ ap(yt5&j 666666666vvvvvvvvv666666>6666666666666666666666666666666666666666666666666hH6666666666666666666666666666666666666666666666666666666666666666662 0@P`p2( 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p8XV~ OJPJQJ_HmH nH sH tH J`J R\Normal dCJ_HaJmH sH tH h@h Em Heading 1ddd@&[$\$"5CJ0KH$OJPJQJ\^JaJ0DA D Default Paragraph FontRi@R 0 Table Normal4 l4a (k ( 0No List VoV EmHeading 1 Char"5CJ0KH$OJPJQJ\^JaJ0`^@` Em0 Normal (Web)ddd[$\$CJOJPJQJ^JaJ*W`* Em`Strong5\.X`!. Em@Emphasis6]j3j  Table Grid7:V0R@BR iii0 Balloon Text dCJOJQJ^JaJNoQN iii0Balloon Text CharCJOJQJ^JaJPK![Content_Types].xmlN0EH-J@%ǎǢ|ș$زULTB l,3;rØJB+$G]7O٭V$ !)O^rC$y@/yH*񄴽)޵߻UDb`}"qۋJחX^)I`nEp)liV[]1M<OP6r=zgbIguSebORD۫qu gZo~ٺlAplxpT0+[}`jzAV2Fi@qv֬5\|ʜ̭NleXdsjcs7f W+Ն7`g ȘJj|h(KD- dXiJ؇(x$( :;˹! I_TS 1?E??ZBΪmU/?~xY'y5g&΋/ɋ>GMGeD3Vq%'#q$8K)fw9:ĵ x}rxwr:\TZaG*y8IjbRc|XŻǿI u3KGnD1NIBs RuK>V.EL+M2#'fi ~V vl{u8zH *:(W☕ ~JTe\O*tHGHY}KNP*ݾ˦TѼ9/#A7qZ$*c?qUnwN%Oi4 =3N)cbJ uV4(Tn 7_?m-ٛ{UBwznʜ"Z xJZp; {/<P;,)''KQk5qpN8KGbe Sd̛\17 pa>SR! 3K4'+rzQ TTIIvt]Kc⫲K#v5+|D~O@%\w_nN[L9KqgVhn R!y+Un;*&/HrT >>\ t=.Tġ S; Z~!P9giCڧ!# B,;X=ۻ,I2UWV9$lk=Aj;{AP79|s*Y;̠[MCۿhf]o{oY=1kyVV5E8Vk+֜\80X4D)!!?*|fv u"xA@T_q64)kڬuV7 t '%;i9s9x,ڎ-45xd8?ǘd/Y|t &LILJ`& -Gt/PK! ѐ'theme/theme/_rels/themeManager.xml.relsM 0wooӺ&݈Э5 6?$Q ,.aic21h:qm@RN;d`o7gK(M&$R(.1r'JЊT8V"AȻHu}|$b{P8g/]QAsم(#L[PK-![Content_Types].xmlPK-!֧6 0_rels/.relsPK-!kytheme/theme/themeManager.xmlPK-!0C)theme/theme/theme1.xmlPK-! ѐ' theme/theme/_rels/themeManager.xml.relsPK] RY d * e  '( / 4 B x < c }    !"#$%&8@0(  B S  ?do   G G   ' ( | }   G G   ' ( | }  WRR\X K"cSY%5&.s9iii+{EmgJR(yVkwK4 @ @UnknownG*Ax Times New Roman5Symbol3. *Cx Arial7.@Calibri5. .[`)TahomaA$BCambria Math"qhEGEGh  20 2QHP $PEm2!xx Cetera Financial Group Janette BrixOh+'0Hx    (08@Cetera Financial Group Normal.dotmJanette Brix2Microsoft Office Word@@`6@iv@iv ՜.+,0 hp  Cetera Financial Group   Title  !"#$%&'()+,-./013456789:;<=>?@BCDEFGHJKLMNOPSTWRoot Entry FPxvVData *1Table2WordDocument 8RSummaryInformation(ADocumentSummaryInformation8IMsoDataStorepxvPxvIKBRLZDE0WQ==2pxvPxvItem  PropertiesUCompObj r   F Microsoft Word 97-2003 Document MSWordDocWord.Document.89q