Insured Deposit Program

Welcome to the 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. For yields for money market mutual funds that your AIG broker dealer continues to offer, please contact your Financial Advisor.

Funds in the Deposit Accounts at each Bank are eligible for deposit insurance by the FDIC, up to a total of $100,000 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 $98,500 for an individual account, and $197,000 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 $1,600,000 for individual accounts or $3,200,000 for joint accounts of total FDIC insurance coverage, subject to applicable limitations. Once $98,500 (or $197,000 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 will 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.

Region 1:
(AL, AR, IA, KS, KY, LA, MS, MO, NE, OK, TN)

1.	Bank of North Carolina
2.	SunTrust Bank
3.	New York Community Bank
4.	Union Bank & Trust
5.	Bank of Hampton Roads
6.	Ally Bank
7.	Morgan Stanley Bank
8	Monarch Bank
9	First County Bank
10	CIT Bank
11.	Zions First National Bank
12.	The Bancorp Bank
13.	Fremont Bank
14.	Sovereign Bank
15.	Frost National Bank
16.	Bank of Washington
17.	Brynn Mawr Bank

Insured Deposit Program Excess Banks
18.Frost National Bank (all regions)
19.SunTrust Bank (all regions)

Region 2:
(IL, IN, MI, OH, WI)

1.	New York Community Bank
2.	Union Bank & Trust
3.	Ally Bank
4.	SunTrust Bank
5.	Sovereign Bank
6.	CIT Bank
7.	Fremont Bank
8	Frost National Bank
9	Monarch Bank
10	The Bancorp Bank
11.	Bank of North Carolina
12.	NewDominion Bank
13.	Bank of Washington
14.	Morgan Stanley Bank
15.	Zions First National Bank
16.	Brynn Mawr Bank
17.	Bank of Hampton Roads

Insured Deposit Program Excess Banks
18.Frost National Bank (all regions)
19.SunTrust Bank (all regions)

Region 3:
(DE, MD, NJ, PA, DC)

1.	Bank of North Carolina
2.	Ally Bank
3.	Union Bank & Trust
4.	SunTrust Bank
5.	Morgan Stanley Bank
6.	New York Community Bank
7.	Fremont Bank
8	Brynn Mawr Bank
9	Zions First National Bank
10	Bank of Washington
11.	CIT Bank
12.	The Bancorp Bank
13.	Frost National Bank
14.	Monarch Bank
15.	Sovereign Bank
16.	First County Bank
17.	Bank of Hampton Roads

Insured Deposit Program Excess Banks
18.Frost National Bank (all regions)
19.SunTrust Bank (all regions)

Region 4:
(AK, CO, ID, MN, MT, ND, OR, SD, WA, WY)

1.	Ally Bank
2.	Union Bank & Trust
3.	SunTrust Bank
4.	Bank of North Carolina
5.	Bank of Hampton Roads
6.	Zions First National Bank
7.	CIT Bank
8	New York Community Bank
9	The Bancorp Bank
10	Sovereign Bank
11.	Fremont Bank
12.	Morgan Stanley Bank
13.	Brynn Mawr Bank
14.	Frost National Bank
15.	Monarch Bank
16.	Bank of Washington
17.	First County Bank

Insured Deposit Program Excess Banks
18.Frost National Bank (all regions)
19.SunTrust Bank (all regions)

Region 5:
(CT, MA, ME, NH, NY, RI, VT)

1.	Bank of North Carolina
2.	SunTrust Bank
3.	Sovereign Bank
4.	New York Community Bank
5.	Union Bank & Trust
6.	The Bancorp Bank
7.	Ally Bank
8	CIT Bank
9	Morgan Stanley Bank
10	Fremont Bank
11.	Monarch Bank
12.	Frost National Bank
13.	First County Bank
14.	Brynn Mawr Bank
15.	Zions First National Bank
16.	Bank of Hampton Roads
17.	Bank of Washington

Insured Deposit Program Excess Banks
18.Frost National Bank (all regions)
19.SunTrust Bank (all regions)

Region 6:
(FL, GA, NC, SC, VA, WV)

1.	Frost National Bank
2.	SunTrust Bank
3.	Bank of North Carolina
4.	New York Community Bank
5.	Ally Bank
6.	Union Bank & Trust
7.	Zions First National Bank
8	Fremont Bank
9	The Bancorp Bank
10	CIT Bank
11.	First County Bank
12.	Brynn Mawr Bank
13.	Sovereign Bank
14.	Bank of Washington
15.	Monarch Bank
16.	Bank of Hampton Roads
17.	Morgan Stanley Bank

Insured Deposit Program Excess Banks
18.Frost National Bank (all regions)
19.SunTrust Bank (all regions)

Region 7:
(AZ, NV, NM, TX, UT)

1.	SunTrust Bank
2.	New York Community Bank
3.	Union Bank & Trust
4.	Ally Bank
5.	First County Bank
6.	Bank of North Carolina
7.	Morgan Stanley Bank
8	Bank of Hampton Roads
9	Fremont Bank
10	Brynn Mawr Bank
11.	Monarch Bank
12.	The Bancorp Bank
13.	CIT Bank
14.	Zions First National Bank
15.	Bank of Washington
16.	Sovereign Bank
17.	Frost National Bank

Insured Deposit Program Excess Banks
18.Frost National Bank (all regions)
19.SunTrust Bank (all regions)

Region 8:
(CA, HI)

1.	Bank of North Carolina
2.	Sovereign Bank
3.	Union Bank & Trust
4.	New York Community Bank
5.	Ally Bank
6.	Bank of Hampton Roads
7.	SunTrust Bank
8	Morgan Stanley Bank
9	CIT Bank
10.	Monarch Bank
11.	Brynn Mawr Bank
12.	Fremont Bank
13.	Zions First National Bank
14.	First County Bank
15.	Frost National Bank
16.	The Bancorp Bank
17.	Bank of Washington

Insured Deposit Program Excess Banks
18.Frost National Bank (all regions)
19.SunTrust Bank (all regions)