Account protection applies to the net asset value of securities and cash held in custody by Pershing for R.M. Stark clients. The Securities Investor Protection Corporation (SIPC) provides the first $500,000 of coverage, including $100,000 for claims for cash. Pershing provides coverage in excess of SIPC limits to qualifying accounts through Lloyd's of London. This coverage will protect your assets up to an overall aggregate level of $1 billion for assets in custody, including $1.9 million in cash awaiting reinvestment. The account protection applies when a SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments.

For more information about the protection of your account assets, please visit www.sipc.org. You may also visit
Lloyd's of London at www.lloyds.com.

Copyright 1994-2011 R.M. Stark & Co., Inc.