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Cash Management Program

Our Cash Management Program connects your investment relationship with your day-to-day banking needs. With Cash Management, a broad array of valuable services are at your disposal – giving you a more comprehensive view of your assets and making your cash and everyday expenses work for you.
Cash Management Service Levels:

	Cash Management Standard Less than $250,000 in household assets at Baird	Cash Management Select $250,000 or more in household assets at Baird	Cash Management Premier $2,000,000 or more in household assets at Baird
Cash Sweep	Weekly into an insured, interest-bearing bank deposit account.	Daily into an insured, interest-bearing bank deposit account and/or one of several taxable and tax-exempt money market mutual funds¹.	Daily into an insured, interest-bearing bank deposit account and/or one of several taxable and tax-exempt money market mutual funds¹.
Minimum Account Balance	$25,000 in cash and/or securities	$25,000 in cash and/or securities	$25,000 in cash and/or securities
Annual Fee	$125	Complimentary	Complimentary
Award Point Program ²	Award points for spending and saving 75,000 annual cap 4-year expiration	Award points for spending and saving 150,000 annual cap 4-year expiration	Award points for spending and saving 250,000 annual cap 4-year expiration
Debit Card	Platinum MasterCard^® with purchase limit of $9,999 per day 24/7 fraud protection Baird pays cross-border transaction fees ATM access through MasterCard^® networks with withdrawal limit of $500 per day	Platinum MasterCard^® with purchase limit of $9,999 per day 24/7 fraud protection Baird pays cross-border transaction fees ATM access through MasterCard^® networks with withdrawal limit of $500 per day	Platinum MasterCard^® with higher purchase limit of $25,000 per day 24/7 fraud protection Baird pays cross-border transaction fees ATM access through MasterCard^® networks with higher withdrawal limit of $1,500 per day³
ATM Fee Rebates	Not available	Rebates for up to 60 ATM transaction fees per year ⁴	Rebates for ATM transaction fees ⁴
Checking	No per check minimum Expense Monitoring Free checks, 120 per order	No per check minimum Expense Monitoring Free checks, 120 per order	No per check minimum Expense Monitoring Free checks, 120 per order
Direct Deposit	Available	Available • 2,500 bonus award points upon activation	Available • 2,500 bonus award points upon activation
eBill Management View a demo	Available with a $50 annual fee	Included • 2,500 bonus award points upon activation	Included • 2,500 bonus award points upon activation
Concierge Service	Included	Included	Included

¹If the aggregate value of your account and other accounts related to you that share the same address and are consolidated for statement mailing purposes is $250,000 or more, your cash balances may be invested in one of several taxable and tax-exempt money market mutual funds.
²Participation is restricted to individuals who are U.S. account holders. Corporations, trusts, partnerships and similar accounts are ineligible to participate. However, living trusts are eligible to receive awards points provided the tax I.D. and Social Security number are one and the same. Please see the complete Award Point Program Rules.
³Subject to the limits of a particular ATM (you may not be able to withdraw the full amount from one machine).
⁴$10 rebate limit per transaction. Applies to U.S. transactions only.

You should consider the investment objectives, risks, charges and expenses of each money market fund carefully before investing. This and other information is found in the applicable prospectus for the money market fund. Contact your Baird Financial Advisor for a prospectus. Please read the prospectus carefully before investing.

Money market funds are managed to maintain a stable $1 share price. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund. While some of the funds offered are tax exempt, these funds may invest in securities which produce income that is subject to the federal AMT and an investor should read the prospectus and consult with their tax advisor before investing.

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The services featured on this Web site may not be available in all jurisdictions or to all persons/entities. For more information, please see please see Important Disclosures.
Robert W. Baird & Co. Incorporated. Member SIPC. All rights reserved