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 swept into the Deposit Accounts in a multiple Banks, your funds will be eligible for up to $1 million 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.Lehman Brothers Bank
2.SunTrust Bank
3.Community Bank of Nevada
4.Johnson Bank
5.Georgian Bank
6.Brynn Mawr Bank
7.GMAC Bank
8.Gateway B&T
9.First County Bank
10.The Bancorp Bank
11.Bank of North Carolina
12.Viking Community Bank
13.Bank of Washington
14.Four Oaks Bank & Trust
15.NewDominion Bank
16.First South Bank
17.National City Bank

Insured Deposit Program Excess Banks
18.SunTrust Bank (all Regions)
19.Lehman Brothers Bank (all Regions)
20.GMAC Bank (all Regions)

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

1.SunTrust Bank
2.Lehman Brothers Bank
3.GMAC Bank
4.Community Bank of Nevada
5.Georgian Bank
6.The Bancorp Bank
7.Brynn Mawr Bank
8.Gateway B&T
9.Johnson Bank
10.First South Bank
11.Bank of Washington
12.Four Oaks Bank & Trust
13.First County Bank
14.NewDominion Bank
15.Bank of North Carolina
16.Viking Community Bank
17.National City Bank

Insured Deposit Program Excess Banks
18.SunTrust Bank (all Regions)
19.Lehman Brothers Bank (all Regions)
20.GMAC Bank (all Regions)

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

1.GMAC Bank
2.Gateway B&T
3.Community Bank of Nevada
4.NewDominion Bank
5.Lehman Brothers Bank
6.Johnson Bank
7.SunTrust Bank
8.Brynn Mawr Bank
9.Bank of Washington
10.Georgian Bank
11.First South Bank
12.First County Bank
13.Bank of North Carolina
14.The Bancorp Bank
15.Four Oaks Bank & Trust
16.Viking Community Bank
17.National City Bank

Insured Deposit Program Excess Banks
18.SunTrust Bank (all Regions)
19.Lehman Brothers Bank (all Regions)
20.GMAC Bank (all Regions)

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

1.Gateway B&T
2.SunTrust Bank
3.Community Bank of Nevada
4.Brynn Mawr Bank
5.Bank of Washington
6.First South Bank
7.Lehman Brothers Bank
8.First County Bank
9.Johnson Bank
10.GMAC Bank
11.The Bancorp Bank
12.NewDominion Bank
13.Georgian Bank
14.Bank of North Carolina
15.Four Oaks Bank & Trust
16.Viking Community Bank
17.National City Bank

Insured Deposit Program Excess Banks
18.SunTrust Bank (all Regions)
19.Lehman Brothers Bank (all Regions)
20.GMAC Bank (all Regions)

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

1.SunTrust Bank
2.The Bancorp Bank
3.Community Bank of Nevada
4.First South Bank
5.Johnson Bank
6.GMAC Bank
7.Gateway B&T
8.Bank of Washington
9.Lehman Brothers Bank
10.Four Oaks Bank & Trust
11.Bank of North Carolina
12.First County Bank
13.Viking Community Bank
14.Brynn Mawr Bank
15.NewDominion Bank
16.Georgian Bank
17.National City Bank

Insured Deposit Program Excess Banks
18.SunTrust Bank (all Regions)
19.Lehman Brothers Bank (all Regions)
20.GMAC Bank (all Regions)

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

1.Lehman Brothers Bank
2.NewDominion Bank
3.Gateway B&T
4.Georgian Bank
5.SunTrust Bank
6.Community Bank of Nevada
7.Johnson Bank
8.GMAC Bank
9.First South Bank
10.Bank of Washington
11.The Bancorp Bank
12.First County Bank
13.Brynn Mawr Bank
14.Viking Community Bank
15.Bank of North Carolina
16.Four Oaks Bank & Trust
17.National City Bank

Insured Deposit Program Excess Banks
18.SunTrust Bank (all Regions)
19.Lehman Brothers Bank (all Regions)
20.GMAC Bank (all Regions)

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

1.SunTrust Bank
2.Georgian Bank
3.Brynn Mawr Bank
4.GMAC Bank
5.Gateway B&T
6.Community Bank of Nevada
7.Johnson Bank
8.First South Bank
9.Bank of Washington
10.The Bancorp Bank
11.First County Bank
12.Lehman Brothers Bank
13.Four Oaks Bank & Trust
14.Bank of North Carolina
15.NewDominion Bank
16.Viking Community Bank
17.National City Bank

Insured Deposit Program Excess Banks
18.SunTrust Bank (all Regions)
19.Lehman Brothers Bank (all Regions)
20.GMAC Bank (all Regions)

Region 8:
(CA, HI)

1.GMAC Bank
2.Gateway B&T
3.Brynn Mawr Bank
4.Lehman Brothers Bank
5.SunTrust Bank
6.First County Bank
7.Georgian Bank
8.Community Bank of Nevada
9.The Bancorp Bank
10.Four Oaks Bank & Trust
11.First South Bank
12.Bank of Washington
13.Viking Community Bank
14.Johnson Bank
15.NewDominion Bank
16.Bank of North Carolina
17.National City Bank

Insured Deposit Program Excess Banks
18.SunTrust Bank (all Regions)
19.Lehman Brothers Bank (all Regions)
20.GMAC Bank (all Regions)