The fee retained by DBSI and Pershing is subject to change but shall not exceed 125 basis points (1.25%) and DBSI or Pershing may waive all or a portion of the fees payable to DBSI or Pershing. The fees that DBSI receives in connection with thelDP will usually be higher than the distribution fees, service fees and other compensation that DBSI may receive in connection with sweeps to Money Market Sweep Funds that serve as alternative Cash Sweep Options. Other than applicable fees imposed on your DBSI brokerage account, there is no charge, fee or commission imposed on such account with respect to the IDP. DBTCA also serves as a Program Bank in the I DP and may receive additional compensation or otherwise benefit from its use of your funds that are deposited with DBTCA through the IDP. In addition, DBTCA serves as an "Excess Bank" in the event you have deposits over the $2.5 million maximum; any excess deposits over $2.5 million are automatically swept into an Excess Bank arid such amounts are not eligible for FDIC insurance. It is your responsibility to monitor funds deposited at an Excess Bank. As a Program Bank or Excess Bank, DBTCA benefits from cash balances held with DBTCA. The profitability of DBTCA is determined in large part by the difference between the interest DBTCA pays on deposit accounts, and the interest or other income DBTCA earns on loans, investments and other assets. To the extent that DBTCA is used as a Program Bank and/or an Excess Bank, the IDP is expected to increase the deposits of DBTCA and, accordingly, the overall profits of DBTCA. Benefits Relating to the DB AG NY Sweep Program DBSI may receive an intercompany credit for funds placed with the Branch through the DB AG NY Sweep Program. Such credit, if received may be used in determining the profitability of business activities of DBSI. DBTCA receives fees and benefits for services provided in connection with the DB AG NY Sweep Program. Specifically. DBTCA receives fees from