An excellent first step in establishing your relationship with Ridgewood Associates is setting up a Medallion Account, which includes:

• a minimum initial investment of only $1,000 in cash and/or securities;
• no minimum balance once the account is opened;
• no annual account fee;
• a choice of three professionally managed money-market-fund portfolios: Money-Market, Government Securities 1, and Tax-Exempt;
• automatic reinvestment of interest, dividends, and other cash balances into the money-market portfolio you select;
• no-minimum checking;
• convenient worldwide 24-hour ATM access;
• overdraft protection and a Private Credit Line based on the value of your marginable securities, which allows you to borrow (at rates usually lower than those available from banks) by simply writing a check or using your ATM card; the more you have, the more you can borrow, and the interest may be tax-deductible up to the total of your taxable investment income from all sources;
• Direct Deposit - automatic deposit of your paycheck (or government checks like Social Security) in your Medallion Account via electronic funds transfer; and
• an Automatic Payment feature - monthly debits for payments like mortgages, insurance drafts, car payments, and mutual-fund investments.

Your Medallion Account makes it easy to manage all your assets more effectively through a single account. 2

1 The Government guarantee of the securities owned by the Government Securities Portfolio does not guarantee the net asset value of the Portfolio’s shares, which the Portfolio seeks to maintain at $1.00 per share. Yields on all three portfolios will fluctuate. Future performance is not guaranteed.

2 The Medallion Account fact kit includes the money-market-fund prospectus, which contains complete information, including management fees and expenses. Read it carefully before you invest.

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