Disclosures, Account Agreements and Terms & Conditions
AIS Account Agreement and Disclosures
View our complete Associated Investment Account Agreement and Disclosure Document. For advisory services, view our firm brochure, Form ADV Part 2A.
SECURITIES ARE OFFERED BY ASSOCIATED INVESTMENT SERVICES, INC. ("AIS"), member FINRA ( www.finra.org ) and SIPC ( www.sipc.org ), d/b/a Associated Investment Services Group in Minnesota. Insurance products are offered by licensed agents of Associated Financial Group, LLC ("AFG"). Fiduciary, administrative, and planning services are provided by Associated Trust Company, NA ("ATC"). Investment management services are provided to ATC by Kellogg Asset Management, LLC® (“KAM”), an SEC-registered investment adviser. Securities and insurance products offered are NOT deposits or obligations of, insured or guaranteed by Associated Banc-Corp ("AB-C") or any bank or affiliate, are NOT insured by the FDIC or any agency of the United States, and involve INVESTMENT RISK, including POSSIBLE LOSS OF VALUE. AIS, AFG, ATC, and KAM are all affiliates of AB-C.
Investor Education: Market Volatility
The stock market has recently experienced periods of high volatility. During these periods, stock prices tend to fluctuate drastically due in part to heavy volume. With the continued growth of online investing, investors need to take on additional responsibility. When placing trades, particularly during volatile periods, investors must be aware of potential risks.
At times, market activity can increase so quickly that market quotes and trade processing cannot keep up with rapidly changing stock prices. During such volatility, trading destinations and Market Makers may execute orders manually or reduce their size guarantees, resulting in possible delays in order execution that can cause losses. Extra care should be taken when entering orders during volatile periods. Executions may be delayed and can occur at prices significantly different than those quoted or displayed when orders were entered. Market orders are subject to execution at the current market price, and therefore run the risk of executing at prices substantially different than the prices quoted at the time of entry. Market orders can seldom be canceled. Therefore, when attempting to cancel an order, please verify that the order was canceled before entering a new one. Remember that cancellations are subject to prior execution; delays in reporting may expose you to the risk of double executions. The use of limit orders, which are executed only at a specific price or better, can help protect clients during market volatility.
Please keep in mind that the Internet is not a direct link to the exchanges or other market centers. Trades submitted through Associated Brokerage Online are sent to our trading desk and reviewed. Once approved, each order is routed to the appropriate market for execution. At times, Internet traffic can be heavy, causing slow response times or outages. If you have trouble accessing your account, please call our Discount Brokerage Division at 920-327-5665 or 800-242-3229, or our Full Service Division at 920-327-5600 or 800-595-7722.
View the Margin Disclosure Statement. (Requires Adobe Acrobat Reader.)Disclosure of Order Routing Practices
In compliance with SEC Rule 606 (formerly SEC 11Ac1-6) Disclosure of Order Routing Practices, an overview of the routing practices of Associated Investment Services, Inc., for non-directed orders is available by clicking here. When asked to enter the broker-dealer's full name, please enter "Associated Investment Services".
*SECURITIES AND ADVISORY SERVICES (OTHER THAN THOSE PROVIDED BY REPRESENTATIVES OF ASSOCIATED FINANCIAL GROUP, LLC) ARE OFFERED BY ASSOCIATED INVESTMENT SERVICES, INC. (“AIS”), member FINRA and SIPC, d/b/a Associated Investment Services Group in Minnesota. • Insurance products are offered by licensed agents of Associated Financial Group, LLC (“AFG”). • Securities and advisory services provided by representatives of AFG are offered through LPL Financial, member FINRA and SIPC. • Investment management services are provided by representatives of AFG through AFG Financial Services. • Fiduciary, administrative and planning services are provided by Associated Trust Company, N.A. (“ATC”). Investment management services are provided to ATC by Kellogg Asset Management, LLC® (“KAM”),an SEC-registered investment adviser. • Securities and insurance products offered are NOT deposits or obligations of, insured or guaranteed by Associated Banc-Corp (“AB-C”) or any bank or affiliate, are NOT insured by the FDIC or any agency of the United States, and involve INVESTMENT RISK, including POSSIBLE LOSS OF VALUE. • Advisory services may not be available in all locations. • Associated Bank, N.A., AIS, AFG, ATC, FRMG and KAM are all affiliates of AB-C. • LPL is NOT an affiliate of AB-C.
Withdrawals prior to age 59 ½ are generally subject to a 10% IRS penalty tax.