LSM's CLEARING FIRM and PRIMARY CUSTODIAN

The security of your accounts' assets is a responsibility we take seriously. As our client, your assets are safeguarded by several layers of protection, including those available through our clearing and custody provider, RBC Correspondent Services, a division of RBC Capital Markets, LLC.

First Layer: RBC Capital Markets, LLC has membership in the Securities Investors Protection Corporation (SIPC)*. In the rare event that they would become insolvent and by some unlikely sequence there were securities missing from your account, SIPC reserve funds would be available to satisfy your claims, up to $500,000 per client, including up to $250,000 in cash.

Second Layer: In addition, RBC Capital Markets, LLC has purchased an insurance policy from Lloyd's of London that provides coverage in excess of SIPC, up to $99.5 million per SIPC qualified account (of which $900,000 may be cash). This excess SIPC policy is subject to a maximum aggregate amount payable of $400 million. In the history of the financial services industry, there has never been a claim paid by an excess SIPC carrier.

Third Layer: Investors who purchased Certificates of Deposit issued by institutions who are members of the Federal Deposit Insurance Corporation (FDIC) qualify for FDIC insurance coverage up to $250,000 per individual depositor for certain retirement plan deposits. Please consult the FDIC website at www.fdic.gov for specific details on FDIC insurance coverage.

The financial strength of our clearing firm, RBC Correspondent Services, coupled with the additional protection outlined here demonstrates a commitment to the safety of your assets. If you have any questions, please contact your LSM Advisor or 1800-842-8834 or information@lsmfinancial.com.

*Neither SIPC protection, nor protection in excess of that provided by SIPC, covers a decline in the value of a customer's assets due to market loss. More information is available upon request or at www.sipc.org.