FLEXINSURED ACCOUNT®

The FlexInsured Account is an excellent complement to your investment account with Cetera Advisors LLC. It allows you to protect your cash balances while still linking your FDIC-insured holdings with your investment account for more control and simplified management of your money. Select FlexInsured Account as your sweep option, and available cash balances will be deposited into an interest-bearing, FDIC-insured deposit account at one or more financial institutions.

FLEXINSURED ACCOUNT DISCLOSURE STATEMENT

FLEXINSURED PROGRAM INTEREST RATES


Tier Range Rate
Tier 1 $0 - $24,999 0.15%
Tier 2 $25,000 - $49,999 0.15%
Tier 3 $50,000 - $99,999 0.25%
Tier 4 $100,000 - $249,999 0.25%
Tier 5 $250,000 - $499,999 0.30%
Tier 6 $500,000 - $749,999 0.35%
Tier 7 $750,000 - $999,999 0.45%
Tier 8 $1,000,000 - $1,499,999 0.55%
Tier 9 $1,500,000 - $4,999,999 0.65%
Tier 10 $5,000,000 - $9,999,999 0.75%
Tier 11 $10,000,000 - above 0.80%

LIST OF PARTICIPATING FINANCIAL INSTITUTIONS

  1. Androscoggin Bank, Lewiston, ME
  2. Associated Bank, Green Bay, WI
  3. BB&T, Lumberton, NC
  4. Citibank NA, New York, NY
  5. Compass Bank, Birmingham, AL
  6. East West Bank, Pasadena, CA
  7. Evolve Bank & Trust, Memphis, TN
  8. Farmers & Merchants Bank, Milford, NE
  9. First Guaranty Bank, Hammond, LA
  10. Glacier Bank, Kalispell, MT
  11. Israel Discount Bank of New York, New York, NY
  12. Morris Bank, Dublin, GA
  1. New York Community Bank, Cranford, NJ
  2. Quontic Bank, Astoria, NY
  3. Seaside National Bank & Trust, Orlando, FL
  4. Simmons First National Bank, Little Rock, AR
  5. Texas Capital Bank, Dallas, Texas
  6. Third Coast Bank SSB, Humble, TX
  7. Tristate Capital Bank, Pittsburgh, PA
  8. United Bank, Glastonbury, CT
  9. Valley National Bank, Wayne, NJ
  10. WEX Bank, Midvale, UT

INTERMEDIARY BANK
First National Bank of Omaha

FLEXINSURED ACCOUNT ACKNOWLEDGEMENT & EXEMPTION NOTICE