coverage currently provided in the IDP. Please contact your Relationship Manager if you would like to opt out of any of the Program Banks due to balances that you hold with them outside of the IDP. Generally, all of a person's accounts are counted together if they are of the same account type. For example, all of a person's individual accounts (including for example accounts held as a sole proprietorship) are counted together toward the non-retirement account FDIC Insurance Limitation. Accounts held by a person in different capacities (such as a joint account versus an individual account) are not aggregated with each other for purposes of these limits. Additional information about the total amount that any person may have insured by the FDIC at a single bank is available on the FDIC's website at https://www.fdic.goviedieffdic_info.html. You are responsible for monitoring the total amount of your deposits with any Program Bank directly or through an intermediary in order for you to determine the extent of the deposit insurance coverage available to you on your deposits. DBSI is not responsible for any insured or uninsured portion of the Deposit Account. The maximum applicable deposit insurance amounts can be illustrated by several common factual situations discussed below. Individual customer accounts Funds owned by an individual and held in an account in the name of an agent or nominee of such individual (such as the Deposit Accounts held through Pershing) are not treated es owned by the agent or nominee, but are added to other deposits of such individual held in the same legal ownership category (including funds held in a sole proprietorship) and are insured up to the FDIC Insurance Limitation in the aggregate. Custodial accounts Funds in accounts held by a custodian (for example, under the Uniform Gifts to Minors Act or the Uniform Transfers to Minor Act) are not treated as owned by the custodian, but are added to other deposits of the minor or