Common use of Bank Insured Deposit Clause in Contracts

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep program administrator and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. The FDIC insures bank deposit accounts such as checking, interest-bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BID, please notify your Financial Professional if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount will be invested in the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX). For a list of participant banks in the BID program, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial Professional, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID program. Interest on funds in a bank deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank products and may be changed at any time. The rate of return paid on BID program funds may vary from the rates of return available to account holders making deposits with the participant bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program may be more profitable to HTS and its affiliates than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep program administrator and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Broker. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA XXX and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank Other accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional Broker if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participant banks will be invested retained by HTS either in a CIP account or to a money market fund, dependent on the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)type of account and your sweep program selection. For a list an up-to-date combined coverage limit based on the number of participant banks in the BID programbanks, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxxxxxxxxxxxxxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial ProfessionalBroker, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID programDeposit. Interest on funds in a bank insured deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank insured deposit account may be more profitable to HTS and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep program administrator and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Financial Advisor. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank Other accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional Advisor if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participant banks will be invested retained by HTS either in a CIP account or to a money market fund, dependent on the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)type of account and your sweep program selection. For a list an up-to-date combined coverage limit based on the number of participant banks in the BID programbanks, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxxxxxxxxxxxxxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial ProfessionalAdvisor, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID programDeposit. Interest on funds in a bank deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank deposit account may be more profitable to HTS and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep program administrator and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Financial Professional. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA XXX and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank Other accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participant banks will be invested retained by HTS either in a CIP account or to a money market fund, dependent on the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)type of account and your sweep program selection. For a list an up-to-date combined coverage limit based on the number of participant banks in the BID programbanks, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxxxxxxxxxxxxxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial Professional, as certain types of accounts may not be eligible to invest in the BID programBank Insured Deposit. Please refer to the HTS Firm’s Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”)Professional. Hilltop Securities has a conflict of interest with respect to the BID programBank Insured Deposit Program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS Hilltop Securities has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS Hilltop Securities has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS Hilltop Securities does not share any fees received in the BID program Bank Insured Deposit Program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID program. Interest on funds in a bank insured deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank insured deposit account may be more profitable to HTS and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep program administrator and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Financial Advisor. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA XXX and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank Other accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional Advisor if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participant banks will be invested retained by HTS either in a CIP account or to a money market fund, dependent on the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)type of account and your sweep program selection. For a list an up-to-date combined coverage limit based on the number of participant banks in the BID programbanks, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxxxxxxxxxxxxxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial ProfessionalAdvisor, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID programDeposit. Interest on funds in a bank insured deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank insured deposit account may be more profitable to HTS and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep program administrator and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Financial Advisor. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA XXX and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank Other accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional Advisor if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participant banks will be invested retained by HTS either in a CIP account or to a money market fund, dependent on the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)type of account and your sweep program selection. For a list an up-to-date combined coverage limit based on the number of participant banks in the BID programbanks, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxxxxxxxxxxxxxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial ProfessionalAdvisor, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID programDeposit. Interest on funds in a bank deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank deposit account may be more profitable to HTS and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS SWST anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep program administrator and participant banks, including our affiliate PlainsCapital BankRTIDs. HTS SWST anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Broker. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holderdepositor, while your IRA XXX and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing Prior or other additional bank accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder depositor ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional broker if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participant banks will be invested in swept by SWST either to the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)CIP account or to a money market fund, dependent on the type of account. For a list an up to date combined coverage limit based on the number of participant banks in the BID program, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial Professionalbroker, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID programDeposit. Interest on funds in a bank deposit account is accrued daily, compounded monthly, monthly and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders depositors making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank deposit account may be more profitable to HTS SWST and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep accounts program administrator and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Financial Professional. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA XXX and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank Other accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participant banks will be invested retained by HTS either in a CIP account or to a money market fund, dependent on the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)type of account and your sweep program selection. For a list an up-to-date combined coverage limit based on the number of participant banks in the BID programbanks, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxxxxxxxxxxxxxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial Professional, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID programDeposit. Interest on funds in a bank deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank deposit account may be more profitable to HTS and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep program administrator and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Financial Professional. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA XXX and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank Other accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participant banks will be invested retained by HTS either in a CIP account or to a money market fund, dependent on the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)type of account and your sweep program selection. For a list an up-to-date combined coverage limit based on the number of participant banks in the BID programbanks, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxxxxxxxxxxxxxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial Professional, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID programDeposit. Interest on funds in a bank insured deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank insured deposit account may be more profitable to HTS and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep accounts program administrator and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Financial Advisor. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA XXX and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank Other accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional Advisor if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participant banks will be invested retained by HTS either in a CIP account or to a money market fund, dependent on the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)type of account and your sweep program selection. For a list an up-to-date combined coverage limit based on the number of participant banks in the BID programbanks, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxxxxxxxxxxxxxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial ProfessionalAdvisor, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID programDeposit. Interest on funds in a bank deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank deposit account may be more profitable to HTS and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep program administrator and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Broker. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank Other accounts you maintain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional Broker if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participant banks will be invested retained by HTS either in a CIP account or to a money market fund, dependent on the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)type of account and your sweep program selection. For a list an up-to-date combined coverage limit based on the number of participant banks in the BID programbanks, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxxxxxxxxxxxxxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial ProfessionalBroker, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID programDeposit. Interest on funds in a bank insured deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank insured deposit account may be more profitable to HTS and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.

Bank Insured Deposit. HTS anticipates receiving fees, including fees for administrative services, and other financial benefits for providing sweep funds to our sweep program administrator administrato r and participant banks, including our affiliate PlainsCapital Bank. HTS anticipates the participant banks will receive a financial benefit be nefit from the use of sweep funds, such as net interest income. A portion of fees received may be paid to your Financial Professional. The FDIC insures bank deposit accounts such as checking, interest-interest bearing checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs) if an insured bank or savings association fails. Your bank deposits are generally insured up to $250,000 per account holder, while your IRA XXX and other qualifying self-directed retirement funds on deposit are separately insured up to $250,000. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased those products from an insured bank. Previously existing or other bank Other accounts you maintain main tain at a participant bank may affect your FDIC insurance coverage. If your funds on deposit at any one bank exceed the applicable FDIC insurance limit of $250,000 per account holder ($250,000 for qualifying retirement accounts), the FDIC will not insure your funds in excess of the limit. If you have a deposit with one of the participant banks that is separate from a balance in the BIDBank Insured Deposit, please notify your Financial Professional if the combined deposits are in excess of $250,000, and such excess funds will be placed with another participant bank, if available. The current target maximum amount of FDIC Insurance coverage for your deposits in the BID program is up to $5 million (for an individual account) or up to $5 million per each individual owner of a joint account (e.g., for a joint account with two individual owners – up to $10 million) (Maximum Applicable FDIC Deposit Insurance Amount), subject to the total amount on deposit in an account, applicable FDIC rules, and bank availability. Account balances in excess of the Maximum Applicable FDIC Deposit Insurance Amount combined coverage limits of the participan t banks will be invested retained by HTS either in a CIP account or to a money market fund, dependent on the Dreyfus Government Cash Management Money Market Fund Investor Class (DGVXX)type of account and your sweep program selection. For a list an up-to-date combined coverage limit based on the number of participant banks in the BID programbanks, please go to xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx- disclosure/. xxx.xxxxxxxxxxxxxxxxx.xxx. Additional information regarding FDIC coverage is available at xxx.xxxx.xxx. Please consult your Financial Professional, as certain types of accounts may not be eligible to invest in the BID program. Please refer to the HTS Bank Insured Deposit Program Terms and Conditions document for additional information. A copy of this document may be obtained from your Financial Professional or online at xxx.xxxxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx/xxxxx-xxxxxxx-xxxxxxxxxx/. The HTS Bank Insured Deposit Program Terms and Conditions document contains information and other disclosures regarding our services, fees and other compensation Hilltop Securities, our affiliates, financial advisors and subcontractors reasonably expect to receive in connection with different cash sweep vehicles and related services provided to your plan and/or account. This information is intended to be sufficient to comply with the Department of Labor regulation on reasonable contracts or arrangements under section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Hilltop Securities has a conflict of interest with respect to the BID program, because the banks participating in program (including PlainsCapital) have discretion in determining how much interest to pay on program deposits, and HTS has discretion in determining how much of that bank interest rate is paid to customers in the program and how much of the bank interest rate to retain itself as a Program Fee. The banks (including PlainsCapital) have a financial interest in paying a lower interest rate so that their net interest income is increased, and HTS has a financial incentive to pay a lower rate to customers so that its fees are increased. By contrast, a money market mutual fund has a fiduciary duty to seek the highest possible return for customers consistent with its investment strategy. HTS does not share any fees received in the BID program or any revenue received in connection with the program with its Investment Adviser Representatives (IARs). On or about June 1, 2022, Hilltop Securities implemented certain changes to the BID program and will switch from paying interest at a single rate to a “tiered” interest rate system, under which the BID program will pay interest based on a “tiered” interest rate system, which will pay different rates of interest based on five different deposit tiers. Generally speaking, higher cash deposit balances will receive higher rates of interest than deposits with lower balances. The amount of interest paid will be determined by the amount of interest paid by the banks participating in the program, minus the amount of fees charged by us, as broker-dealer or custodian, in accordance with the following tiers: Tier Deposit Level Tier 1 $0 to $49,999.99 Tier 2 $50,000 to $249,999.99 Tier 3 $250,000 to $499,999.99 Tier 4 $500,000 to $999,999.99 Tier 5 $1,000,000 or more The applicable interest rate tier will be determined based on the amount of cash available in your brokerage account on a per account basis. Cash available in one brokerage account will not be aggregated to include cash which may be contained in other brokerage accounts you hold with us for purposes of qualifying for a higher interest rate tier. In other words, the amount of cash available in each specific brokerage account can only be used to qualify for one individual interest rate tier under the BID programDeposit. Interest on funds in a bank insured deposit account is accrued daily, compounded monthly, and credited to your account monthly. Interest begins to accrue on the date of deposit in the BID Bank Insured Deposit up to, but not including, the date of withdrawal. The daily balance method is used to calculate the interest on these accounts. The daily rate is 1/365 (or 1/366 1 /366 in a leap year) of the interest rate. Account rates are set in accordance with other bank Bank products and may be changed at any time. The rate of o f return paid on BID program Bank Insured Deposit funds may vary from the rates of return available to account holders making deposits with the participant bank Bank directly, through other types of accounts at your brokerage, or with other depository institutions in comparable accounts. The BID program bank insured deposit account may be more profitable to HTS and its affiliates affiliates, than other available sweep options. You should compare the terms, rates of return, required minimum amounts, charges and other features with other accounts and alternative investments.