Account Protection

TD AMERITRADE, Inc. is a member of the Securities Investor Protection Corporation. Securities in your account protected up to $500,000. For details, please see www.sipc.org.

Up to an aggregate of $250 million of additional securities protection, of which $900,000 may be applied to cash, is provided by London insurers, also limited to a combined return to any client from a Trustee, SIPC and London of $150 million. This coverage provides you protection against brokerage insolvency and does not protect against loss in market value of the securities.

* Brokerage Products: Not FDIC Insured* No Bank Guarantee* May lose Value

Since Schwab is a member of the Securities Investor Protection Corporation (SIPC), the assets you place with Schwab are insured by this entity-up to $500,000 of protection for each separate account capacity you hold with them, with a limit of $100,000 for claims of cash balances.

Additional account protection is provided by Lloyd’s of London. Under the policy secured with Lloyd’s underwriters, the additional protection of securities and cash is provided up to an aggregate of $600 million, limited to a combined return to any customer from a Trustee, SIPC, and London of $150 million, including cash of up to $900,000 by the London policy.

This additional protection becomes available in the event that SIPC limits are exhausted. Account protection does not cover fluctuations in the market value of your securities. Account protection is not provided for accounts that are maintained by banks or broker/dealers.

* Brokerage Products: Not FDIC Insured* No Bank Guarantee* May lose Value