STC Insured Deposit Program (STID) Updated 06/16/2016

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1 STC Insured Deposit Program (STID) 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 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 1 S&T Bank 2 American Express Bank, FSB 2 MUFG Union Bank, N.A. 3 Bank of New Hampshire 3 First Tennessee Bank, N.A. 4 4 Union Bank and Trust 5 The Bank of East Asia Ltd. 5 Bank of New Hampshire MUFG Union Bank, N.A. 7 The Bank of East Asia Ltd. 8 SunTrust Bank 8 First County Bank 9 Bank of China 9 Cadence Bank, N.A. 10 Cadence Bank, N.A. 10 Bryn Mawr Trust Co. 11 Mizuho Bank (USA) 11 First Niagara Bank 12 First County Bank First Niagara Bank 13 Bank of North Carolina 14 EagleBank 14 American Express Bank, FSB 15 First Tennessee Bank, N.A. 15 Simmons Bank 16 S&T Bank 16 Monarch Bank 17 Compass Bank 17 Mizuho Bank (USA) 18 Union Bank and Trust 18 Compass Bank 19 Banc of California, N.A. 19 Bank of Baroda 20 Simmons Bank 20 American Express Centurion Bank 21 Bank of North Carolina 21 Bank of China 22 Bryn Mawr Trust Co. 22 Northern Bank and Trust 23 Monarch Bank 23 Banc of California, N.A. 24 New York Community Bank 24 EagleBank 25 Northern Bank and Trust 25 New York Community Bank 26 Bank of Baroda 26 Enterprise Bank & Trust 27 Enterprise Bank & Trust 27 SunTrust Bank 28 Florida Community Bank 28 Florida Community Bank 29 Century Bank and Trust 29 Progress Bank and Trust

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 Century Bank and Trust 2 Bank of Baroda 3 Bank of Baroda 3 SunTrust Bank 4 American Express Centurion Bank 4 First Niagara Bank 5 The Bank of East Asia Ltd. 5 Progress Bank and Trust 6 Bank of New Hampshire 6 First Tennessee Bank, N.A. 7 New York Community Bank 7 Bryn Mawr Trust Co. 8 American Express Bank, FSB 8 MUFG Union Bank, N.A. 9 First Tennessee Bank, N.A. 9 The Bank of East Asia Ltd. 10 EagleBank 10 American Express Centurion Bank 11 Cadence Bank, N.A. 11 New York Community Bank 12 Banc of California, N.A. 12 S&T Bank 13 Northern Bank and Trust 13 Simmons Bank 14 Bank of China 14 Banc of California, N.A. 15 Bryn Mawr Trust Co. 15 Compass Bank 16 S&T Bank 16 First County Bank 17 Bank of North Carolina 17 EagleBank 18 Simmons Bank 18 Cadence Bank, N.A. 19 First County Bank Monarch Bank 20 Bank of New Hampshire 21 Mizuho Bank (USA) 21 Bank of China 22 Compass Bank 22 Florida Community Bank Union Bank and Trust 24 Bank of North Carolina 25 First Niagara Bank 25 Northern Bank and Trust 26 SunTrust Bank 26 Mizuho Bank (USA) 27 Enterprise Bank & Trust 27 Enterprise Bank & Trust 28 Florida Community Bank 28 Union Bank and Trust 29 MUFG Union Bank, N.A. 29 Monarch Bank

4 Region 5: (CT, MA, ME, NH, NY, RI, VT) Region 6: (FL, GA, NC, SC, VA, WV) 1 American Express Centurion Bank 1 Bank of North Carolina 2 Compass Bank 2 First Tennessee Bank, N.A. 3 Banc of California, N.A. 3 First Niagara Bank 4 First Tennessee Bank, N.A. 4 5 Bank of Baroda 5 MUFG Union Bank, N.A. 6 MUFG Union Bank, N.A. 6 The Bank of East Asia Ltd. 7 Enterprise Bank & Trust 7 Simmons Bank 8 The Bank of East Asia Ltd. 8 Bryn Mawr Trust Co. 9 Monarch Bank 9 Monarch Bank 10 First Niagara Bank 10 New York Community Bank 11 Bryn Mawr Trust Co. 11 EagleBank 12 SunTrust Bank 12 S&T Bank 13 S&T Bank 13 American Express Centurion Bank 14 Cadence Bank, N.A. 14 Bank of Baroda 15 Bank of North Carolina 15 Bank of China 16 Northern Bank and Trust 16 American Express Bank, FSB 17 Bank of New Hampshire 17 Cadence Bank, N.A. 18 American Express Bank, FSB 18 Banc of California, N.A. 19 EagleBank 19 Florida Community Bank 20 Union Bank and Trust 20 Bank of New Hampshire 21 New York Community Bank 21 First County Bank 22 Bank of China 22 Northern Bank and Trust 23 Mizuho Bank (USA) First County Bank 24 Mizuho Bank (USA) 25 Simmons Bank 25 Compass Bank SunTrust Bank Enterprise Bank & Trust 28 Florida Community Bank 28 Union Bank and Trust 29 Century Bank and Trust 29 Progress Bank and Trust

5 Region 7: (AZ, NV, NM, TX, UT) Region 8: (CA, HI, & other territories) 1 Mizuho Bank (USA) 1 American Express Bank, FSB 2 Cadence Bank, N.A. 2 3 SunTrust Bank 3 The Bank of East Asia Ltd. 4 Simmons Bank 4 Century Bank and Trust 5 Bank of China 5 American Express Centurion Bank 6 New York Community Bank 6 Union Bank and Trust 7 MUFG Union Bank, N.A. 7 Bryn Mawr Trust Co. 8 First Niagara Bank 8 First County Bank 9 First County Bank 9 10 Bryn Mawr Trust Co. 10 Bank of New Hampshire 11 The Bank of East Asia Ltd. 11 Florida Community Bank SunTrust Bank EagleBank 14 Compass Bank 14 Mizuho Bank (USA) 15 Enterprise Bank & Trust 15 New York Community Bank 16 EagleBank 16 First Tennessee Bank, N.A. 17 Northern Bank and Trust 17 Northern Bank and Trust 18 First Tennessee Bank, N.A. 18 Bank of Baroda 19 Monarch Bank 19 Bank of China 20 Banc of California, N.A. 20 Banc of California, N.A. 21 American Express Centurion Bank 21 Cadence Bank, N.A. 22 Bank of Baroda 22 Monarch Bank 23 S&T Bank 23 Bank of North Carolina 24 Bank of North Carolina 24 Compass Bank 25 American Express Bank, FSB 25 S&T Bank 26 Bank of New Hampshire 26 First Niagara Bank 27 Florida Community Bank 27 Enterprise Bank & Trust 28 Union Bank and Trust 28 Simmons Bank 29 Century Bank and Trust 29 MUFG Union Bank, N.A.

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