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Account Protection

Sterne, Agee & Leach, Inc. is a member of the Securities Investor Protection Corporation (SIPC). As such, our clients are protected up to a maximum of $500,000 per client, including up to $250,000 in cash balances (explanatory brochure available upon request at www.sipc.org or phone at 202.371.8300 ). Sterne Agee provides additional coverage through Lloyd's of London in excess of standard SIPC coverage in the amount of $24.5 million per client ($900,000 limit as to cash balances) with an aggregate limit of $100 million. For coverage purposes, SIPC and our excess SIPC policy aggregate the value of all of your accounts in which you act in the same capacity. Accounts in which you act in a different capacity are viewed separately for coverage purposes. SIPC and excess SIPC coverage does not protect against a decline in market value of securities in your brokerage account and certain alternative investments are not covered by SIPC.