Insured Deposit Program. Updated 03/31/2017
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1 Insured Deposit Program Welcome to the FDIC Insured Deposit Program. Under this program, available cash balances (from security transactions, dividend and interest payments and other activities) in your eligible Pershing, LLC brokerage accounts will automatically be deposited into interest bearing Federal Deposit Insurance Corporation ("FDIC") insured deposit accounts ("Deposit Accounts") at one or more of the banks set forth below. Funds in the Deposit Accounts at each Bank are eligible for deposit insurance by the FDIC, up to a total of $250,000 in principal and interest per depositor in most insurable capacities (e.g. individual, joint, etc.) when aggregated with all other deposits held in the same insurable capacity at a Bank. Pershing, LLC, will deposit the available cash in your brokerage account in a Deposit Account at one or more of the Banks listed below, up to $246,500 for an individual account, and $493,000 for joint accounts of two or more, irrespective of the capacity in which you hold your brokerage account, and the maximum applicable FDIC insurance coverage available. As your funds will be eligible for up to $2,500,000 for individual accounts or $5,000,000 for joint accounts of total FDIC insurance coverage, subject to applicable limitations. Once $246,500 (or $493,000 for joint accounts of two or more) has been deposited in each of the Banks, any additional funds will be deposited in an "Excess Bank" without limit and without regard to maximum available FDIC insurance coverage. The interest rates on the Deposit Accounts will vary based upon the total net worth of the assets you maintain in your brokerage account, including cash. Pershing will link your brokerage account to additional brokerage accounts you hold at Pershing registered under the same social security number to determine your Interest Rate Tier. The aggregate assets of all "linked" brokerage accounts is referred to as your "Aggregate Net Worth" or "ANW." In general, clients with greater ANW may receive a higher interest rate than clients with lower ANW. Pershing will determine your ANW as of the interest posting date each month and add it to the ANW as of the interest posting date for the prior month which is then divided by two to determine your average Aggregate Net Worth for the period. This average Aggregate Net Worth will determine your eligibility for a particular Interest Rate Tier for the forthcoming interest period. If there isn't a prior period ANW, then the total amount (not the average) of your ANW will be used to determine your Interest Rate Tier for that initial interest period. Each Bank will pay Royal Alliance Associates, Inc. ( Royal Alliance ) a fee equal to a percentage of the average daily deposit balance in your Deposit Accounts at the Bank. The fee paid to Royal Alliance may be an annual rate of up to 200 basis points on the Bank's Deposit Accounts. Royal Alliance may waive any part of this fee at any time. Depending on the prevailing interest rate environment at a particular time, the fees paid by the Bank may be more or less than the interest the Bank pays on your deposit accounts. The fees Royal Alliance receives from the Bank may be greater than the fees Royal Alliance receives from other sweep investment options. The fee Royal Alliance receives may differ among Banks depending on the interest rate environment and/or any fee reductions made by Royal Alliance. The amount of fee received or waived by Royal Alliance will affect the interest rate paid by the Bank on your deposit accounts. Royal Alliance advisors do not receive any of the fees received by Royal Alliance from the Banks. Upon request, Royal Alliance will provide you with information concerning the fees it receives in connection with the Insured Deposit Program. For yields on money market mutual funds that your Financial Advisor continues to offer, please contact your Advisor. CURRENT TIERS AND RATES Aggregate Net Worth (ANW) Tier Range Yield 1 $0 $25, % 2 25,001 $50, % 3 $50,001 $150, % 4 150,001 $500, % 5 $500,001 $2,500, % 6 Over $2,500, %
2 REGIONS: INSURED DEPOSIT PROGRAM BANKS Region 1: (AL, AR, IA, KS, KY, LA, MS, MO, NE, OK, TN) Region 2: (IL, IN, MI, OH, WI) 1 American Express Centurion Bank Florida Community Bank 3 IberiaBank 4 4 S&T Bank 5 S&T Bank 5 First National Bank 6 Camden National Bank 6 First Tennessee Bank, N.A. 7 SunTrust Bank 7 Banc of California, N.A. 8 Bank of New Hampshire 8 Cadence Bank, N.A. 9 The Bank of East Asia Ltd. 9 Bank of New Hampshire 10 MUFG Union Bank, N.A. 10 EagleBank 11 First Tennessee Bank, N.A. 11 The Bank of East Asia Ltd. 12 Bank of North Carolina 12 Bank of North Carolina 13 New York Community Bank 13 Bryn Mawr Trust Co. 14 KeyBank N.A. 14 KeyBank N.A. 15 EagleBank 15 MUFG Union Bank, N.A. 16 First County Bank 16 American Express Bank, FSB 17 Mizuho Bank (USA) 17 Simmons Bank 18 Union Bank and Trust 18 Towne Bank 19 Cadence Bank, N.A. 19 Mizuho Bank (USA) 20 Simmons Bank 20 Compass Bank 21 Compass Bank 21 Bank of Baroda 22 Bryn Mawr Trust Co. 22 American Express Centurion Bank 23 Towne Bank 23 First County Bank 24 Bank of Baroda 24 Union Bank and Trust 25 Enterprise Bank & Trust 25 New York Community Bank 26 Bank of China 26 Enterprise Bank & Trust 27 American Express Bank, FSB 27 Bank of China 28 Century Bank and Trust 28 SunTrust Bank Progress Bank and Trust 30 Banc of California, N.A. 30
3 Region 3: (DE, MD, NJ, PA, DC) Region 4: (AK, CO, ID, MN, MT, ND, OR, SD, WA, WY) 1 1 American Express Bank, FSB 2 S&T Bank 2 3 First National Bank 3 S&T Bank 4 Banc of California, N.A. 4 Banc of California, N.A. 5 Century Bank and Trust 5 First National Bank 6 Bank of Baroda 6 KeyBank N.A. 7 IberiaBank 7 MUFG Union Bank, N.A. 8 Florida Community Bank 8 First Tennessee Bank, N.A. 9 The Bank of East Asia Ltd. 9 Bryn Mawr Trust Co. 10 Bank of New Hampshire 10 Progress Bank and Trust 11 New York Community Bank 11 The Bank of East Asia Ltd. 12 First Tennessee Bank, N.A. 12 American Express Centurion Bank 13 EagleBank 13 New York Community Bank 14 Cadence Bank, N.A. 14 Bank of Baroda 15 Northern Bank and Trust 15 Simmons Bank 16 American Express Centurion Bank 16 Mizuho Bank (USA) 17 American Express Bank, FSB 17 Compass Bank 18 Bank of North Carolina 18 First County Bank 19 Simmons Bank 19 EagleBank 20 First County Bank 20 Cadence Bank, N.A. 21 Towne Bank 21 Towne Bank 22 Mizuho Bank (USA) 22 Bank of New Hampshire 23 Compass Bank 23 Bank of China 24 Union Bank and Trust 24 Florida Community Bank 25 Bank of China 25 Bank of North Carolina 26 SunTrust Bank 26 SunTrust Bank 27 Enterprise Bank & Trust 27 Enterprise Bank & Trust 28 MUFG Union Bank, N.A. 28 Union Bank and Trust
4 Region 5: (CT, MA, ME, NH, NY, RI, VT) Region 6: (FL, GA, NC, SC, VA, WV) 1 American Express Centurion Bank S&T Bank 3 First National Bank 3 First National Bank 4 S&T Bank 4 Florida Community Bank 5 Banc of California, N.A. 5 Banc of California, N.A. 6 IberiaBank 6 First Tennessee Bank, N.A. 7 Camden National Bank 7 KeyBank N.A. 8 Mizuho Bank (USA) 8 MUFG Union Bank, N.A. 9 MUFG Union Bank, N.A. 9 The Bank of East Asia Ltd. 10 Cadence Bank, N.A. 10 Cadence Bank, N.A. 11 Bryn Mawr Trust Co. 11 Bryn Mawr Trust Co. 12 Bank of North Carolina 12 Bank of North Carolina 13 First Tennessee Bank, N.A. 13 New York Community Bank 14 Bank of Baroda 14 EagleBank 15 Florida Community Bank 15 Towne Bank 16 Enterprise Bank & Trust 16 American Express Centurion Bank 17 The Bank of East Asia Ltd. 17 Bank of Baroda 18 Towne Bank 18 Bank of China 19 KeyBank N.A. 19 American Express Bank, FSB 20 SunTrust Bank 20 Simmons Bank 21 Compass Bank 21 Bank of New Hampshire 22 Bank of China 22 First County Bank 23 EagleBank Northern Bank and Trust 24 Mizuho Bank (USA) 25 Bank of New Hampshire 25 Compass Bank 26 American Express Bank, FSB 26 SunTrust Bank 27 Union Bank and Trust 27 Enterprise Bank & Trust 28 New York Community Bank 28 Union Bank and Trust Progress Bank and Trust 30 30
5 Region 7: (AZ, NV, NM, TX, UT) Region 8: (CA, HI, & other territories) 1 1 American Express Bank, FSB 2 Camden National Bank 2 3 Cadence Bank, N.A. 3 American Express Centurion Bank 4 IberiaBank 4 S&T Bank 5 S&T Bank 5 Bank of China 6 MUFG Union Bank, N.A. 6 Florida Community Bank 7 Florida Community Bank 7 IberiaBank 8 Bank of North Carolina 8 Banc of California, N.A. 9 Century Bank and Trust 9 Bryn Mawr Trust Co. 10 New York Community Bank 10 MUFG Union Bank, N.A. 11 Mizuho Bank (USA) 11 Century Bank and Trust 12 KeyBank N.A. 12 Bank of New Hampshire 13 First County Bank 13 First Tennessee Bank, N.A. 14 Compass Bank 14 The Bank of East Asia Ltd. 15 Enterprise Bank & Trust 15 First County Bank 16 EagleBank 16 EagleBank 17 Northern Bank and Trust 17 Mizuho Bank (USA) 18 First Tennessee Bank, N.A. 18 New York Community Bank 19 Towne Bank 19 SunTrust Bank 20 Banc of California, N.A. 20 Northern Bank and Trust 21 American Express Centurion Bank 21 Bank of Baroda 22 Simmons Bank Bank of Baroda 23 Cadence Bank, N.A. 24 Bank of China 24 Towne Bank 25 American Express Bank, FSB 25 Compass Bank 26 SunTrust Bank 26 KeyBank N.A. 27 The Bank of East Asia Ltd. 27 Enterprise Bank & Trust 28 Bryn Mawr Trust Co. 28 Simmons Bank Union Bank and Trust 30 30
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