1) Safety – deposits are FDIC-insured up to the limit per account for each Program Bank utilized in the LYRA Program 2) Flexibility – attaches as a daily sweep account to your brokerage account that sweeps excess funds produced by interest/dividends/sales/deposits and covers purchases and withdrawals 3) Liquidity – balances are easily accessible with the option of checkwriting and/or debit card 4) Competitive rate offering and daily interest accrual 5) Tax reporting consolidated on one Denison Co. Form 1099 6) Convenient account statement service summarizes all activity of your account on one Denison Co. monthly/quarterly/annual brokerage account statement.

No, your current money funds will not automatically be switched to the LYRA Program. Before cash balances can be moved to the LYRA Program, we must receive authorization of such by you via one of the following three ways 1) verbally 2) in writing or 3) completion of the enclosed Authorization Form.

Please refer to the current Program Bank list that can be obtained on the enclosed Authorization Form, on our website at www.hcdenison.com, or by contacting your Investment Representative. Our intermediary bank, Deutsche Bank Trust Company Americas (DBTCA), performed initial diligence on each of the Program Banks in the process of creating the LYRA Program. DBTCA will monitor current and new Program Banks for their ongoing adherence to DBTCA criteria. Neither DBTCA nor Denison Co. guarantees the financial condition of any Program Bank or the accuracy of any publicly available information concerning a Program Bank. From time-to-time Denison Co. may have relationships with the Program Banks that are separate and apart from the LYRA Program.

It is possible for Program Banks to change. If more Program Banks are added to the LYRA Program, it will increase the amount of available FDIC insurance. A Program Bank could be removed as well, resulting in a decrease of available FDIC insurance. You will receive notification from Denison Co. of changes in the Program Banks through our website at www.hcdenison.com.

Previously, cash in an account was swept to one or more money funds. A money fund is a type of mutual fund that invests in low-risk money market instruments and attempts to keep its shares at a net asset value of $1.00 per share while paying dividends that generally reflect short-term interest rates. Although rare, a money fund’s per-share value may fall below $1.00 if the fund’s investments perform poorly.

With the introduction of the LYRA Program, cash balances in most accounts will be swept to one or more FDIC-insured accounts at one or more depository institutions (each a “Program Bank”) through our intermediary bank, Deutsche Bank Trust Company Americas. Unlike a money fund, cash will not be invested in securities and the principal will not be at risk. Interest will be calculated daily and deposited to your LYRA Program account monthly. Balances in the LYRA Program will be insured by the FDIC, an independent agency of the United States government, up to applicable limits as described on their website at www.fdic.gov.

SIPC has taken the position that assets held in a LYRA Program Account are not covered by SIPC. Deposits in a LYRA Program Account are covered by FDIC insurance.

FDIC insurance currently protects depositors from any loss up to $250,000 (or at such other amounts as may be established by applicable law from time-to-time) per person and account type if an FDIC Program Bank becomes insolvent. In the event that your deposits become eligible for FDIC insurance payment, the FDIC will determine when your payment will be made, and whether any additional documentation is necessary to verify your claim. Denison Co. will not be obligated for any amounts not covered by the FDIC or for any losses incurred due to any delay of payment. For more information concerning FDIC insurance, please go to www.fdic.gov. FDIC insurance limits have changed in the past and are likely to change in the future.

SIPC protects investors from losses if their brokerage firm becomes insolvent and cash or securities are missing from eligible customer accounts. SIPC provides protection up to $500,000 (including up to $100,000 cash) per client. For more information about SIPC coverage, please go to www.sipc.org or contact your Investment Representative.

It is expected that the interest rate payable in the LYRA Program will be competitive with current Program Bank rates for similar types of accounts and with rates offered by other brokerage firms offering programs similar to the LYRA Program. Interest will be paid on a variable rate established periodically by us based on prevailing market, economic and other business conditions. Further, rates to be applied to accounts may also vary based on the total value of household assets in your Denison Co. account(s).

Further information concerning interest rates can be found on our website at www.hcdenison.com/Rates.html, or by contacting your Investment Representative.