Money Market Accounts Fdic by ftp85006

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									                                                          APPENDIX A
                               Information about the Program can be obtained at the following URL:
                                                    www.MilkieFerguson.com

                                       Evolve Bank & Trust (EB&T) FDIC Money Market
                                                                Symbol: QPRMQ                        CUSIP: FDIC66606

        Based upon commitments from EB&T with respect to APY and interest rates on the Deposit Accounts, as of January
        31, 2010, the lowest Annual Percentage Yield on the Deposit Accounts would be 0.05%. The interest rate for FPRXX
        would be 0.01%. Interest rates/APY will be determined based on prevailing economic and business conditions. The
        interest rate/APY will vary and may be higher or lower by the effective date. This and other differences between an
        investment in the comparison Core Account Investment Option and the Program are as follows:


                                                                                    Distribution                   Total
           FDIC                  Sales
                Return/Interest        Mgmt                                          / Service     Other          Annual                                                  Summary of
Investment or                   Charge                                                                    Waiver
                  Rate/APY             Fees                                            (12b-1)   Expenses        Operating                                           Investment Objectives
           SIPC                 (Load)
                                                                                        Fees                     Expenses
                                                                                                                                                                          Investing in U.S. dollar-
                                                                                                                                                                      denominated money market
                                                                                                                                                                        securities of domestic and
                                                                                                                                                                       foreign issuers rated in the
 FPRXX                                                                                                                                                              highest category by at least two
Prime Fund                                                                                                                                                             nationally recognized rating
 – Capital SIPC                      .01%                 None         0.25%             0.50%                 0.27%              N/A             1.02%                services, U.S. Government
 Reserves                                                                                                                                                              securities, and repurchase
   Class                                                                                                                                                              agreements. Investing more
                                                                                                                                                                     than 25% of total assets in the
                                                                                                                                                                       financial services industry.
                                                                                                                                                                    Potentially entering into reverse
                                                                                                                                                                         repurchase agreements.

EB&T Bank
  Deposit
                                 See Chart
   Sweep  FDIC                          4                   N/A           N/A               N/A                  N/A              N/A                N/A                              N/A
                                  below
  Program
 (BDSPSM)
        1
            An investment in the FPRXX (the “Fund”) is not insured or guaranteed by the FDIC or any government agency. Although the Fund seeks to preserve the value of your
        investment at $1.00 per share, it is possible to lose money by investing in the Fund, including loss of principal. Please read the prospectus carefully.
        2
            Subject to applicable limitations per account. Please contact your Investment Representative for details about SIPC protection or FDIC insurance. You may visit the SiPC
        website for information at www.sipc.org. You may also visit the FDIC s website for information at www.fdic.gov. At the time of deposit in your Brokerage account and until such
        funds are deposited with a Program Bank, they are protected by the SIPC; Upon deposit at a Program Bank, your funds are eligible for FDIC insurance. SIPC does not protect
        against investment losses that may be incurred with respect to securities or other investments held in your brokerage account.
        3
            This rate reflects the 7-day effective yield as of January 31, 2010. This rate fluctuates due to underlying investments in the fund and/or market conditions generally. Other
        important information that you should consider about the Fund (including costs, expenses, risks, and objectives) is contained in the Fund s prospectus. If you would like a
        prospectus of the Fund to review, please contact your Investment Representative.
        4
            The rates for the Bank Deposit Sweep Program as of January 31, 2010 are set forth below; interest accrues daily and is paid monthly. Amounts reflecting interest paid will be
        presented on your brokerage account statements. The rates of the Bank Deposit Sweep Program are subject to change at any time, without notice to you. For a current list of
        complete rates, please contact your Investment Representative.




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         APY/Interest Rate Tiers for the EB&T Bank Deposit Sweep Program:

                                   Balance               APY    Interest Rate
                                 $ 0 – 9,999.99          .05%     .0499%
                              $10,000 – 99,999.99        .05%     .0499%
                            $100,000 to 249,999.99       .05%     .0499%
                             $ 250,000 and Above         .05%     .0499%


**Important Note: Your interest rate may be based upon your Program Deposits in accordance with
the attached Interest Rate Tiers, as determined by your Broker/Dealer. The rate of interest paid may be
tiered based on your deposit balance. Please note that you may not link your brokerage account to other
brokerage accounts held by members of your household to determine your Interest Rate Tier. This is more
fully explained in the enclosed Disclosure Document.




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