Investors Capital Corporation (ICC) is the dually-registered independent Broker/Dealer and Investment Advisory firm of Investors Capital Holdings, Ltd. (NYSE: Amex ICH). Founded in 1992, and headquartered in Lynnfield, Mass., ICC is registered to conduct business in all 50 states, Puerto Rico, and the District of Columbia through a network of approximately 550 financial advisors.

A Broker/Dealer is a company/organization that trades securities for its own account or on behalf of its customers. When executing trade orders on behalf of a customer, the institution is said to be acting as a broker. When executing trades for its own account, the institution is said to be acting as a dealer.

Broker/Dealers help its investment professionals with support services, technology, and business resources. This saves your investment professional time and allows him/her to focus on you and your financial objectives.

With Investors Capital Corporation, your investment professional can provide you with objective advice, free of bias. ICC does not impose sale quotas and conducts valuable independent research to continually improve our technology, communications and level of service.

At Investors Capital, we’ve been delighting our advisors and their clients with our 5-star service and our warm culture since 1992, and we hope to continue to do so for many, many years to come. We love our work, we love the industry we’re in, and we would never do anything to consciously jeopardize our success, our brand, or the well-being of our advisors and their clients. We’ve been a part of the investment landscape for the past 18 years and, with prudent leadership and long-term vision, we hope to be around for many more.

Pershing LLC is our clearing firm that handles our trades, settlement, and delivery of stocks and securities (see next question). Founded in 1939, Pershing has over $715.8 billion* in assets in custody and serves approximately 1,150* Broker/Dealers and money managers worldwide. Pershing is the trusted choice of more financial organizations than any other firm in the industry, with an unmatched track record of experience and reliability. The firm is named for its founder, Warren “Jack” Pershing, the only son of celebrated World War I General of the Armies, “Black Jack” Pershing. Pershing LLC is a subsidiary of The Bank of New York Mellon Corporation.

*As of 8/4/2010

Investors Capital clears through Pershing LLC, a division of Bank of New York Mellon. A financial clearing firm, also called a clearing house, is a financial organization that handles trades, settlement, and delivery of stocks and securities. A clearing firm is usually a member of all the national stock exchanges, such as New York Stock Exchange and NASDAQ, which allows it to place trades, settle accounts, and match real-time buyers and sellers of securities. Many smaller investment firms do not have the capability to execute stock trades on their own, so they go through a clearing firm to conduct the business for their clients. Hence, the terminology: "clear" through a clearing firm. Some firms have their own clearing operations and can clear their own trades. They are called “self-clearing”.

The Bank of New York Mellon Corporation is the parent company for Pershing LLC. It is also the world’s leading provider of securities services and a top, global asset management firm, with $19.5 trillion* in assets in custody and $881 billion* in assets under management.

* As of 8/4/2010

Through SIPC (Securities Investor Protection Corporation), your account at Investors Capital Corporation will be protected up to $500,000 per customer, of which $250,000 may be cash claims. This protects your account if a SIPC firm fails financially and is unable to meet its obligations; however, it does not protect against market value losses. To obtain more specific information, please visit www.sipc.org.