CHARLES SCHWAB, HONG KONG, LTD.

Charles Schwab, Hong Kong, Ltd.
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Account Protection

SIPC® Account Protection

Charles Schwab & Co., Inc., a member of the Securities Investor Protection Corporation (SIPC), will serve as the custodian for your securities account. In the event that the SIPC-member custodian fails and is placed in liquidation under the Securities Investor Protection Act, SIPC protects the securities customers of its members up to $500,000 (including $250,000 for claims for cash). For details, please see www.sipc.org.

Additional Protection Through Lloyd's of London and Other London Insurers

Additional brokerage insurance is provided to Schwab accounts through underwriters in London. Schwab's coverage with Lloyd's of London and other London insurers, combined with SIPC coverage, provides protection of securities and cash up to an aggregate of US$600 million, and is limited to a combined return to any customer from a Trustee, SIPC, and London insurers of US$150 million, including cash of up to US$1,150,000. This additional protection becomes available in the event that SIPC limits are exhausted.