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 for the remaining net equity balance, if any, in your accounts at no charge. 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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