1. WORKFLOWS CHAPTER INDEX
CHANGE OF ADDRESS:
Notification by Phone
Notification by Email
Notification by Postal Mail
Notification In-Person
ASSET MOVEMENT:
I. VERIFICATION OF INDIVIDUAL / INSTRUCTIONS / ACCTS.:
Client Verification
A. Email / Postal Mail
B. In-Person
C. Phone
D. Postal Mail
E. Videoconference
Information Release (Non-POA) Verification (Living Client)
A. If Third Party Contacts Firm
Personal Representative (Power of Attorney) Verification (Living Client)
A. Email / Postal Mail
B. In-Person / Phone
C. Videoconference
Personal Representative (Power of Attorney) Verification (Deceased Client)
A. Email / Postal Mail
B. In-Person / Phone
C. Videoconference
Personal Representative (Other Non-Trustee) Verification (Deceased Client)
A. Email / Postal Mail
B. In-Person / Phone
C. Videoconference
Trustee (Individual / Corporate) Verification (Deceased Client)
A. Email / Postal Mail / Phone
B. In-Person
C. Videoconference
II(a). MOVE REQUESTED ASSETS (PERSHING ACCTS. ONLY):
General Information
A. All-Purpose
B. One-Time Cashiering Requests
C. Periodic Distributions / Contributions
D. Establishing + Using Standing Instructions

2. E. Automated Clearing House (ACH) Instructions
F. Fed Fund Wire Requests
G. Journal Requests
H. Death Transfer of Funds + Distribution Requests
Specific Information (Non-Retirement)
1. Retail Check Request Processes
A. To Address of Record (NR)
B. To Alternate Address (Not Third Party) (NR)
C. To Third Party (NR)
D. With Periodic Instructions (To Address of Record) (NR)
E. With Periodic Instructions (To Third Party) (NR)
F. With Standing Instructions for Third Party (NR)
2. Automated Clearing House (ACH) Request Processes
A. Initiate Periodic ACH Distributions or Contributions (NR)
B. Initiate One-Time AD HOC Contributions (NR)
3. Fed Fund Request Process
A. (NR)
4. Journaling Request Processes
A. For One-Time Request (NR to NR)
B. For One-Time Request (NR to R)
C. With Periodic Instructions (NR to NR OR NR to R)
D. With Standing Instructions (NR to NR OR NR to R)
5. Death Transfer of Funds + Distribution Request Processes
A. With Individual Accts. (Non-TOD) (NR to NR)
B. With Joint Accts. (Non-TOD with survivor) (NR to NR)
C. With Transfer-on-Death (TOD – Individual + Joint) Accts. (NR to NR)
6. Divorce Transfer of Funds + Distribution Request Processes
A. (NR to NR OR NR to R)
7. Gifting Processes
A. Securities Gifts with Knowing Recipient (NR to NR)
B. Securities Gifts with Unknowing Recipient (NR to NR)
C. Securities Gifts for Institutional Recipient (NR to Corporate)

3. (SAMPLE WORKFLOW):
2. Automated Clearing House (ACH) Request Processes
A. Initiate Periodic ACH Distributions or Contributions (NR):
1. Complete appropriate section I contact verification process.
2. Discern whether or not client has approved standing instructions on file for
desired accts. (instructions must be valid for both source & destination
accts.) in NetX360 (“Profile” » “Standing Instructions”).
i. If standing instructions exist between accts. in question & client
requests to make an additional contribution, refer to workflow 2.B.
“Initiate One-Time AD HOC Contributions”.
ii. If standing instructions exist between accts. in question & client
requests to modify ACH terms of agreement [outside of making
additional contributions], continue to step 3 (updates require new
forms & new documents).
iii. If no standing instructions exist between accts. in question,
continue to step 3.
3. Log into Nexus » “Forms” » “Blank Forms” » “Clearing-Firm” » “Pershing” »
(click & drag “ACH Authorization Agreement”) » “Generate” – complete
form minus required signatures.
i. If slight discrepancies exist b/w client names b/w a banking acct. &
a Pershing acct., complete “One in the Same Attestation” form
minus required signatures – will require notary (Nexus » “Forms” »
“Form Center” » “Operations”).
4. Print & scan partially-completed form(s) to “Shared Computer Files” »
“Pending Issues” » (respective client surname) for backup – note in RT.
5. Inform client of required supporting documents:
i. a preprinted, micro-encoded, voided check is required unless the
bank acct. is linked to a savings acct., in which case a pre-printed
deposit slip should be used.
a. Note: counter checks, bill pay checks, or starter
checks (typically involving sequence numbers under
100) are not generally accepted as supporting
documentation.
b. If both are unavailable, the client may submit a
signature-guaranteed or notarized letter from the bank
or a bank-generated statement w/ the registration &
acct. number (number may not be redacted, i.e. XXX-
XX-1234). The bank letter must be on bank
letterhead, signed by a bank office, be notarized or
signature-guaranteed (signer cannot notarize own
signature), & include the acct. registration, number, &
ABA number.
ii. Additionally, a Death Certificate in cases where one party on a joint
acct. is deceased &/or (continue to 5.iii.)

4. iii. A bank letter to verify the signing authority if involving an entity
acct. (i.e. Trust, business, etc.) may be required.
iv. Notarized one-in-same letters signed by the client or legal
documents showing a name change may also be requested to
verify the signing authority.
6. Fax, mail hard copy form(s), or send encrypted email(s) to client for
required signatures & documents – note in RT.
i. For postal mail dispatch, print address on official company
envelope (cabinet behind front desk). If appropriate, LF dispatch
to “Operations” inbox & scan hard copy for archival before
sending.
a. Before or immediately after sending, add & check
“LF”, “RT”, & “File” labels on each copied front
page, affix handwritten date & handler’s initials, &
file in “Monthly Paper Files” (file cabinet “A”,
drawer 2). If envelope is included, shred (if
address info. listed) or recycle – note in RT.
7. Upon receipt of returned form(s) from client, confirm complete by double-
checking for the following (as listed in Nexus » “Forms” » “Form Center” »
“Operations” » “Task Reference » “ACH Requirements”):
 All bank & brokerage acct. signatures on the form (Note: All
of these signatures MUST appear on the same page to
ensure individuals are signing / acknowledging the same
bank info.);
 All relevant instructions regarding acct. contribution or
distribution (pay principal or pay income) info., as well as the
frequency & amount of ACH entries;
 All bank / credit union acct. info. on the agreement, which
must match w/ acct. info. reflected in the supporting
documentation;
 Accompanying supporting documents for the bank acct.:
a. A preprinted micro-encoded check, OR
b. A deposit slip if bank acct. will be linked to a savings
acct., OR
c. An acct. statement that includes the full acct. name &
full acct. number, OR
d. A letter from the bank containing all of the acct. info.
that includes a guaranteed or notarized signature of
an employee of that bank, AND
e. A Death Certificate if one party on a joint acct. is
deceased, AND
f. A bank letter if involving an entity acct. (Note: If
multiple signors are listed for either the brokerage or
bank accts., their ability to sign alone [if applicable]
should be noted on the bank letter in order to accept
one signature.), AND

5. g. A notarized one-in-same letter or additional legal
name-change documents if appropriate.
i. If NIGO, notify client & repeat step 6 w/ partially-complete form.
8. Upon receipt of IGO forms, date-stamp (DS in top left-hand drawer of front
desk); scan to “Operations” inbox in LF w/ cover letter; template file; note in
RT.
9. With printed copy of LF’d forms in hand, reference “Pershing – Initiating a
Non-Retirement ACH Using Standing Instructions” tutorial in Nexus »
“Forms” » “Form Center” » “Operations” » “Task Reference” – follow
instructions & submit NetX360 request – note in RT.
** if ACH request is for later receipt, complete step 8 one
week before desired accessibility (set RT activity
reminder).
i. Reminder: Unless otherwise specified, ACH requests take 3-5
business days to be tested & approved & possibly an additional 24
hours to make the funds accessible.
10.Scan documents for hard copies; add & check “LF”, “RT”, & “File” labels on
each copied front page, affixing handwritten date & handler’s initials; file
originals in “Pending Paper Files” (file cabinet “A”, drawer 1) & copies in
“Monthly Paper Files” (file cabinet “A”, drawer 2); & shred (if listing address
info.) or recycle envelope if included – note in RT.
11.Make two RT activities to check that request went through both w/ Pershing
& w/ client after placing:
i. If ACH request was submitted before 12:30pm, set Pershing
confirmation activity deadline for six days ahead. If request was
submitted after 12:30pm, set said activity deadline for seven days
ahead.
ii. If client requested ACH contributions begin as soon as possible, set
client confirmation activity deadline for eight days following request
submission (if submitted before 12:30pm) or nine days following (if
submitted after 12:30pm). If client requested ACH contribution at
later date, set activity deadline for 2 days following expected
receipt.
12.Confirm ACH request has been transacted by Pershing through NetX360
(“Account Activities” » “Inter Day”) per RT activity deadline – note in RT by
completing activity (add confirmation description).
13.Confirm contribution has been received by client via phone call or email per
RT activity deadline – RT all client-advisor transactions & complete RT
activity.
i. Process complete.
B. Initiate One-Time AD HOC Contributions (NR):
1. Complete appropriate section I contact verification process.
2. Discern whether or not client has approved standing instructions on file for
desired accts. (instructions must be valid for both source & destination
accts.) in NetX360 (“Profile” » “Standing Instructions” – if acct. has AD