STC Insured Deposit Program Updated 09/01/2016 Welcome to the AIG Federal Savings Bank (“AIG FSB”), d/b/a SunAmerica Trust Company (“STC”) STC Insured Deposit Program. Under this program, available cash balances (from security transactions, dividend and interest payments and other activities) in your STC Individual Retirement Account (“IRA”) 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) when aggregated with all other deposits held in the same insurable capacity at a Bank. Pershing, LLC, will deposit the available cash in your IRA in a Deposit Account at one or more of the Banks listed below, up to $246,500, and the maximum applicable FDIC insurance coverage available. As your funds will be eligible for up to $2,500,000 of total FDIC insurance coverage, subject to applicable limitations. Once $246,500 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 IRA and brokerage account(s), including cash. Pershing will link your IRA 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" 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 ANW for the period. This average ANW 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 SagePoint Financial, Inc. (“SagePoint Financial”) a fee equal to a percentage of the average daily deposit balance in your Deposit Accounts at the Bank. The fee paid to SagePoint Financial may be an annual rate of up to 200 basis points on the Bank's Deposit Accounts. SagePoint Financial may waive any part, or all, of this fee at any time. Depending on the prevailing interest rate environment at a particular time, the fees paid by the Bank(s) may be more or less than the interest the Bank(s) pay on your deposit accounts. The fees SagePoint Financial receives from the Bank(s) may be greater than the fees SagePoint Financial receives from other sweep investment options, such as money market mutual funds or other Deposit Accounts insured by the FDIC. The fees SagePoint Financial receives may differ among Banks depending on the interest rate environment and/or any fee reductions made by SagePoint Financial. The amount of fees received or waived by SagePoint Financial will affect the interest rate paid by the Bank(s) on your Deposit Accounts. Your Financial Advisor(s) may receive a portion of these fees. Upon request, SagePoint Financial will provide you with information concerning the fees it receives in connection with the STC Insured Deposit Program. CURRENT TIERS AND RATES Updated 09/01/2016 Aggregate Net Worth (ANW) Tier Range Yield 1 $0‐$25,000 0.01% 2 25,001 ‐ $50,000 0.01% 3 $50,001 ‐ $150,000 0.01% 4 150,001 ‐ $500,000 0.01% 5 $500,001 ‐ $2,500,000 0.02% 6 Over $2,500,000 0.03% REGIONS: INSURED DEPOSIT PROGRAM BANKS Updated 09/01/2016 Region 1: (AL, AR, IA, KS, KY, LA, MS, MO, NE, OK, TN) 1 American Express Centurion Bank 2 American Express Bank, FSB 3 Bank of New Hampshire 4 Capital One Bank (USA), N.A. 5 The Bank of East Asia Ltd. 6 Citibank, N.A. 7 MUFG Union Bank, N.A. 8 SunTrust Bank 9 Bank of China 10 Cadence Bank, N.A. 11 Mizuho Bank (USA) 12 First County Bank 13 First Niagara Bank 14 EagleBank 15 First Tennessee Bank, N.A. 16 S&T Bank 17 Compass Bank 18 Union Bank and Trust 19 Banc of California, N.A. 20 Simmons Bank 21 Bank of North Carolina 22 Bryn Mawr Trust Co. 23 Towne Bank 24 New York Community Bank 25 Northern Bank and Trust 26 Bank of Baroda 27 Enterprise Bank & Trust 28 Florida Community Bank 29 Century Bank and Trust Excess Bank List Citibank, N.A. Capital One Bank (USA), N.A. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 Region 2: (IL, IN, MI, OH, WI) S&T Bank MUFG Union Bank, N.A. First Tennessee Bank, N.A. Union Bank and Trust Bank of New Hampshire Citibank, N.A. The Bank of East Asia Ltd. First County Bank Cadence Bank, N.A. Bryn Mawr Trust Co. First Niagara Bank Capital One Bank (USA), N.A. Bank of North Carolina American Express Bank, FSB Simmons Bank Towne Bank Mizuho Bank (USA) Compass Bank Bank of Baroda American Express Centurion Bank Bank of China Northern Bank and Trust Banc of California, N.A. EagleBank New York Community Bank Enterprise Bank & Trust SunTrust Bank Florida Community Bank Progress Bank and Trust Excess Bank List Citibank, N.A. Capital One Bank (USA), N.A. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 Region 3: (DE, MD, NJ, PA, DC) Citibank, N.A. Century Bank and Trust Bank of Baroda American Express Centurion Bank The Bank of East Asia Ltd. Bank of New Hampshire New York Community Bank American Express Bank, FSB First Tennessee Bank, N.A. EagleBank Cadence Bank, N.A. Banc of California, N.A. Northern Bank and Trust Bank of China Bryn Mawr Trust Co. S&T Bank Bank of North Carolina Simmons Bank First County Bank Towne Bank Mizuho Bank (USA) Compass Bank Capital One Bank (USA), N.A. Union Bank and Trust First Niagara Bank SunTrust Bank Enterprise Bank & Trust Florida Community Bank MUFG Union Bank, N.A. Excess Bank List Citibank, N.A. Capital One Bank (USA), N.A. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 Region 4: (AK, CO, ID, MN, MT, ND, OR, SD, WA, WY) American Express Bank, FSB Bank of Baroda SunTrust Bank First Niagara Bank Progress Bank and Trust First Tennessee Bank, N.A. Bryn Mawr Trust Co. MUFG Union Bank, N.A. The Bank of East Asia Ltd. American Express Centurion Bank New York Community Bank S&T Bank Simmons Bank Banc of California, N.A. Compass Bank First County Bank EagleBank Cadence Bank, N.A. Citibank, N.A. Bank of New Hampshire Bank of China Florida Community Bank Capital One Bank (USA), N.A. Bank of North Carolina Northern Bank and Trust Mizuho Bank (USA) Enterprise Bank & Trust Union Bank and Trust Towne Bank Excess Bank List Citibank, N.A. Capital One Bank (USA), N.A. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 Region 5: (CT, MA, ME, NH, NY, RI, VT) American Express Centurion Bank Compass Bank Banc of California, N.A. First Tennessee Bank, N.A. Bank of Baroda MUFG Union Bank, N.A. Enterprise Bank & Trust The Bank of East Asia Ltd. Towne Bank First Niagara Bank Bryn Mawr Trust Co. SunTrust Bank S&T Bank Cadence Bank, N.A. Bank of North Carolina Northern Bank and Trust Bank of New Hampshire American Express Bank, FSB EagleBank Union Bank and Trust New York Community Bank Bank of China Mizuho Bank (USA) First County Bank Simmons Bank Citibank, N.A. Capital One Bank (USA), N.A. Florida Community Bank Century Bank and Trust Excess Bank List Citibank, N.A. Capital One Bank (USA), N.A. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 Region 6: (FL, GA, NC, SC, VA, WV) Bank of North Carolina First Tennessee Bank, N.A. First Niagara Bank Capital One Bank (USA), N.A. MUFG Union Bank, N.A. The Bank of East Asia Ltd. Simmons Bank Bryn Mawr Trust Co. Towne Bank New York Community Bank EagleBank S&T Bank American Express Centurion Bank Bank of Baroda Bank of China American Express Bank, FSB Cadence Bank, N.A. Banc of California, N.A. Florida Community Bank Bank of New Hampshire First County Bank Northern Bank and Trust Citibank, N.A. Mizuho Bank (USA) Compass Bank SunTrust Bank Enterprise Bank & Trust Union Bank and Trust Progress Bank and Trust Excess Bank List Citibank, N.A. Capital One Bank (USA), N.A. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 Region 7: (AZ, NV, NM, TX, UT) Mizuho Bank (USA) Cadence Bank, N.A. SunTrust Bank Simmons Bank Bank of China New York Community Bank MUFG Union Bank, N.A. First Niagara Bank First County Bank Bryn Mawr Trust Co. The Bank of East Asia Ltd. Citibank, N.A. Capital One Bank (USA), N.A. Compass Bank Enterprise Bank & Trust EagleBank Northern Bank and Trust First Tennessee Bank, N.A. Towne Bank Banc of California, N.A. American Express Centurion Bank Bank of Baroda S&T Bank Bank of North Carolina American Express Bank, FSB Bank of New Hampshire Florida Community Bank Union Bank and Trust Century Bank and Trust Excess Bank List Citibank, N.A. Capital One Bank (USA), N.A. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 Region 8: (CA, HI, & other territories) American Express Bank, FSB Capital One Bank (USA), N.A. The Bank of East Asia Ltd. Century Bank and Trust American Express Centurion Bank Union Bank and Trust Bryn Mawr Trust Co. First County Bank Citibank, N.A. Bank of New Hampshire Florida Community Bank SunTrust Bank EagleBank Mizuho Bank (USA) New York Community Bank First Tennessee Bank, N.A. Northern Bank and Trust Bank of Baroda Bank of China Banc of California, N.A. Cadence Bank, N.A. Towne Bank Bank of North Carolina Compass Bank S&T Bank First Niagara Bank Enterprise Bank & Trust Simmons Bank MUFG Union Bank, N.A. Excess Bank List Citibank, N.A. Capital One Bank (USA), N.A.