Coverage for cash and securities in protected client accounts is provided from two sources. The Securities Investor Protection Corporation (SIPC) protects customers of its members up to $500,000 (including $100,000 for claims for cash). Additional commercial coverage is provided at no charge through London Underwriters (led by Lloyd’s of London Syndicate) (“Lloyds”). Lloyd’s provides additional coverage above SIPC limits for any missing securities or cash in client brokerage accounts up to a firm aggregate limit of $1 billion (including up to $1.9 million for cash per client). Neither coverage protects against losses from change in the market values of investments. For more information on SIPC coverage, please see the explanatory brochure available at www.sipc.org.

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