Available Cash Sweep Options and Related Differences Insured Deposit Program The IDP will automatically sweep your available cash balances from your DBSI brokerage account into interest—bearing money market deposit accounts at the Program Banks. The deposit accounts are insured by the FDIC within certain applicable limits. The IDP is not subject to market risk and potential loss of principal but is subject to the risk of the failure of one or more of the depository institutions (each, a "Program Bank," collectively, "Program Banks") that participate in the IDP. In the unlikely event that a Program Bank fails, deposits at the bank are eligible for FDIC insurance protection. FDIC insurance provides protection up to a limit per Program Bank (the -FDIC Insurance Limitation") of $250,000 (for individual accounts) or $500,000 (for joint accounts). Balances in any other deposit accounts you may have at a Program Bank outside of the IDP are counted against the FDIC Insurance Limitation. You are responsible for monitoring your bank balances in the IDP and the balances in any of your other bank accounts at the same bank to determine if these, in total, exceed FDIC insurance limits. Deposits held in the IDP are not covered by the Securities Investor Protection Corporation ("SIPC"). The maximum amount of FDIC insurance coverage for your deposits in the IDP is $2.5 million for each category of legal ownership, as more fully explained in the section entitled 'Information about FDIC Insurance" in the IDP terms set forth below. Any deposits over the $2.5 million maximum are automatically swept into a Program Bank also designated as an "Excess Bank" and such amounts are NOT eligible for FDIC insurance. DB AG NY Sweep Program The Deutsche Bank AG New York Branch (Non-FDIC) Sweep Deposit Program (the "DB AG NY Sweep Program") will automatically sweep your free cash balances in your DBSI brokerage account into interest-bearing accounts at the Deutsche Bank AG New Yo