Valued Investor Plans (VIP) Resources

With a Baird Valued Investor Plan (VIP), you can consolidate your financial assets into one easy-to-use account — receiving convenient financial services and benefits. We offer two types of Valued Investor Plans with varying features.

Regardless of which Valued Investor Plan you choose, the level of service that defines a Baird relationship is always included. A Baird Financial Advisor can work with you to choose the account that can help simplify your financial needs.

Features	VIP Gold	VIP Standard
Investment Cycle	Daily investment of cash balances into an interest-bearing bank account (or, if eligible, a taxable or tax-exempt money market mutual fund).	Weekly investment of cash balances into an interest-bearing bank account (or, if eligible, a taxable or tax-exempt money market mutual fund).
Minimum	$10,000 cash and/or securities.	$0
Annual Fee	$100	$0
E-Bill Management	Total online bill presentment and unlimited bill payment services for only $7.50 per month.	Not available.
Fee Waiver	Baird statement households greater than $250,000 (Baird & Networked) receive one free VIP Gold and one free E-Bill Management service.	Not available.
Money Market Investments	Your cash balances will be invested in an interest-bearing deposit account maintained at M&I Marshall & Ilsley Bank. Your deposits are insured by the FDIC subject to applicable limits ($100,000 per depositor and $250,000 for certain retirement accounts). If 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 sponsored by Dreyfus and JP Morgan.
	Investors should consider the investment objectives, risks, and charges and expenses of the money market mutual fund carefully before investing. This and other information is found in the prospectus. For a prospectus, contact a Baird Financial Advisor or contact the money market mutual fund company directly. Please read the prospectus carefully before investing. An investment in any money market mutual fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any government agency. Although a money market mutual fund seeks to preserve the value of your investment a $1.00 per share, it is possible to lose money by investing in a money market mutual fund. Yield fluctuates. Past performance is no guarantee of future results.
Check Writing	No monthly fee, no fee for standard checks, and no minimum amount per check. Expense monitoring is included.	No monthly fee and no fee for standard checks. $100 per check minimum.
Direct Deposit	Use Direct Deposit and start earning interest immediately.	Available with some limitations.
Margin Borrowing	Borrow against marginable securities at a preferred rate (subject to Baird approval).	Borrow against marginable securities at the standard rate (subject to Baird approval).
Debit Card	VIP Gold MasterCard® Debit Card is accepted millions of locations worldwide with ATM access to funds.	Not available.
Awards Program	May earn points for both spending and saving. Redeem points for free airline tickets, car rental, hotel accommodations and a premier golf getaway.	Not available.
Concierge Service	Toll-free personal service available 24/7 — information, tickets, gift finding and more.	Not available.
Account Statements	Monthly Premier statement, year-end summary statement and optional Master Connect statement (summarizing all Baird accounts you choose to connect).	Premier Statement.
Fee-Waived IRA	One Free Baird IRA (a $40 value).	Not available.
Baird OnLine	View your account from anywhere at anytime with access through Baird OnLine on the Internet.
Financial Advice	No matter which Valued Investor Plan you have at Baird, the same caliber of personalized advice and guidance is available.

Important information about Federal Alternative Minimum Tax (AMT)
While some of the funds offered are tax exempt, these funds may invest in securities which produce income that is subject to the federal alternative minimum tax (AMT) and an investor should read the prospectus and consult with their tax advisor before investing.

Important information about Margin Borrowing
Margin borrowing is not suitable for all investors. Additional risks involved with margin borrowing. You can lose more funds than you deposit in the margin account, Baird can force the sale of securities in your account, Baird can sell your securities without contacting you and you are not entitled to an extension of time on a margin call.

Important information about VIP Gold Awards Program
Awards Program participation is restricted to individuals who are U.S. account holders, Corporations, trusts, partnerships and similar accounts and individuals maintaining an Individual Retirement Account (IRA) or other retirement accounts are ineligible to participate. However, living trusts are eligible to receive Awards points, provided the Tax I.D. number and Social Security number are one and the same.