If you have a margin account, pursuant to your Margin Agreement with Sterne Agee and as permitted by law, margin securities in your account, may be used for, among other things, settling short sales and lending the securities for short sales. As a result, Sterne Agee and your financial organization may receive compensation in connection therewith. Further, Sterne Agee does not lend fullypaidfor securities without your written permission. Please contact your financial advisor if you have any questions.