DTC Cash

If you participate in DTC Cash offered by Dunham Trust Company (“DTC”), DTC is acting as your agent.

The FDIC insurance limit for all insurable capacities in the DTC Cash is $250,000 per program bank. The DTC Cash program banks may be excluded from receiving program deposits in the event that total assets at a program bank (including assets that are held with the bank outside of DTC Cash) exceed the FDIC insurance limits. For example, if you have deposits in a bank through the program and also have made deposits at that bank outside the program, all of these deposits will count toward the FDIC limit. It is your obligation to monitor your account(s), your FDIC coverage and your FDIC insurance eligibility. See www.fdic.gov for more details regarding FDIC coverage. For more information on DTC Cash, please refer to the DTC Cash Disclosure Booklet. If you would like to opt out from certain program banks, please speak to your advisor or contact Dunham at customercare@dunham.com.

Excluding a bank from holding your Insured Bank Deposit balances may result in a lower available program limit for FDIC insurance. The bank list is subject to change.

See the DTC Cash Disclosure Booklet for details, limitations, and eligibility requirements to participate in the DTC Cash.

The Annual Percentage Yield (APY) and interest rate shown is available in DTC Cash. The APY and interest rate quoted, with a minimum balance of $0.01, is current as of the date shown. This rate is variable and may change daily without notice. Interest rates paid on deposits held at DTC are determined at the discretion of DTC. The APY is a rate based on monthly compounding of interest and assumes interest is not withdrawn from the deposit account and no changes to the interest rate for one year. The interest rate may change at any time at the discretion of DTC.

For DTC Cash, the program interest rate is impacted by several factors, including the total amount paid on deposits by the program banks, the fee paid to DTC and a fee paid to a third party that assists DTC in operating the program. DTC determines the portion of revenue it receives as a fee. The fee paid to DTC will affect the interest rate and may exceed the amounts paid to clients in the form of interest. Neither the program banks nor DTC is required to offer the highest rates available or rates comparable to money market mutual fund yields. In contrast, money market mutual funds generally seek to achieve the highest rate of return consistent with their investment objectives, which can be found in their prospectuses.

DTC, at its discretion, may determine that your account is ineligible to participate in DTC Cash. DTC Cash provides up to $60 million of FDIC insurance.

The deposit rates and annual percentage yields are variable and may change at any time at DTC’s discretion. They are effective as of the date shown above. Interest will be accrued daily and credited monthly.

For DTC Cash, the program interest rate is impacted by several factors, including the total amount paid on deposits by the program banks, the fee paid to DTC and a fee paid to a third party that assists DTC in operating the program. DTC determines the portion of revenue it receives as a fee. The fee paid to DTC will affect the interest rate and may exceed the amounts paid to clients in the form of interest. Neither the program banks nor DTC is required to offer the highest rates available or rates comparable to money market mutual fund yields. In contrast, money market mutual funds generally seek to achieve the highest rate of return consistent with their investment objectives, which can be found in their prospectuses.

DTC, at its discretion, may determine that your account is ineligible to participate in DTC Cash. DTC Cash provides up to $60 million of FDIC insurance.

The deposit rates and annual percentage yields are variable and may change at any time at DTC’s discretion. They are effective as of the date shown above. Interest will be accrued daily and credited monthly.

Unlike DTC Cash, non-deposit investments held by your Broker-Dealer, are NOT FDIC INSURED / NOT BANK GUARANTEED / MAY LOSE VALUE.

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