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APPENDIX A PROGRAM BANK AND INTEREST RATE TIERS Information about the Program can be obtained at the following URL: www.evolvesec.com Evolve Bank & Trust (EB&T) FDIC Money Market Symbol: QPRMQ Cusip: FDIC66606 Based upon commitments from EB&T with respect to APY and interest rates on the Deposit Accounts, as of April 15, 2010, the lowest Annual Percentage Yield on the Deposit Accounts would be 0.05%. Additional rates are based on a tier system and are detailed in the chart below. The seven day yield for FDAXX would be .01%. Interest rates/APY will be determined based on prevailing economic and business conditions. The interest rate/APY will vary. These and other differences between an investment in the comparison Core Account Investment Option and the Program are as follows Investment
| FDIC or SIPC
| Return/Interest
Rate/APY
| Sales Charge (Load) | Mgmt Fees
| Distribution / Service
(12b-1) Fees
| Other Expenses
| Waiver | Total Annual
Operating Expenses
| Summary of Investment Objectives
| | FDAXX¹ | SIPC² | .01%³ | 0.25% | 0.25% | 0.24% | 0.24% | N/A | 0.74% | Investing in U.S. dollar-denominated money market securities of domestic and foreign issuers rated in the highest category by at least two nationally recognized rating services, U.S. Government securities, and repurchase agreements. Investing more than 25% of total assets in the financial services industry. Potentially entering into reverse repurchase agreements. | EB&T Bank Deposit Sweep Program (BDSPSM) | FDIC² | See Chart below4 | N/A | N/A | N/A | N/A | N/A | N/A
| N/A |
1An investment in the FDAXX (the "Fund") is not insured or guaranteed by the FDIC or any government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund, including loss of principal. Please read the prospectus carefully. 2 Subject to applicable limitations per account. Please contact your Investment Representative for details about SIPC protection or FDIC insurance. You may visit the SIPC website for information at http://www.sipc.org/. You may visit the FDIC's website for information at www.fdic.gov. At the time of deposit in your brokerge account and until such funds are deposited with the Program Bank, they are protected by the SIPC; Upon deposit at a Program Bank, your funds are eligible for FDIC insurance. SIPC does not protect against investment losses that may be incurred with respect to securities or other investments held in your brokerage account. 3 This rate reflects the 7-day effective yield as of April 15, 2010. This rate fluctuates due to underlying investments in the fund and/or market conditions generally. Other important information that you should consider about the Fund (including costs, expenses, risks and objectives) is contained in the Fund's prospectus. If you would like a prospectus of the Fund to review, please contact your Investment Representative. 4 The rates for the Bank Deposit Sweep Program as of April 15, 2010 are set forth below; interest accrues daily and is paid monthly. Amounts reflecting interest paid will be presented on your brokerage account statements. The rates of the Bank Deposit Sweep Program are subject to change at any time, without notice to you. For a current list of complete rates, please contact your Investment Representative. APY/Interest Rate Tiers for the EB&T Bank Deposit Sweep Program:
Balance
| APY
| Interest Rate
| | $0 - 9,999.99 | .05% | .0470% | | $10,000 - 99,999.99 | .05% | .0470% | | $100,000 to 249,999.99 | .05% | .0470% | | $250,000 and Above | .05% | .0470% |
**Important Note: Your interest rate is based upon your Program Deposits in accordance with the attached Interest Rate Tiers, as determined by your Broker/Dealer. The rate of interest paid is tiered based on the value of your "Program Deposits", which are currently evaluated on a daily basis. You should also note that you may not link your brokerage account to brokerage accounts held by members of your household to determine your Interest Rate Tier. This is more fully explained in the enclosed Disclosure Document. APY/Interest Rate Tiers | | $0 - 9,999 | | $10,000 - 99,999 | | $100,000 to 249,999 | | 250,000 and Above |
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