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THE PRIORITY BANK LIST BELOW WAS MOST RECENTLY CHANGED ON March 17, 2016.

Welcome to the LPL Financial ("LPL Financial") Insured Cash Account ("ICA") program. Generally, under the ICA program, your available cash balances (from securities transactions, dividend and interest payments and other activities) in your eligible 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 or other depository institutions on the Priority Bank List set forth below (each, a "Bank"). For yields for money market mutual funds that LPL Financial continues to offer, please contact your financial advisor.

The Deposit Accounts available through the ICA program are eligible for insurance by the Federal Deposit Insurance Corporation ("FDIC") up to $250, 000 in principal and accrued interest per depositor (including individual retirement accounts ("IRAs"), including Roth IRAs, and certain other retirement accounts) in each insurable capacity (e.g., individual, joint, etc.) per insured depository institution. As your agent, LPL Financial will place up to $246, 500 of your available cash for an individual or trust account, and up to $493, 000 for a joint account, in one Bank. As your agent, LPL Financial will open Deposit Accounts at additional Banks so that funds in excess of $246, 500 for individual or trust accounts (or $493, 000 for a joint account) may be swept into those accounts, which are also eligible for deposit insurance. If $246, 500 has been deposited for you (or $493, 000 for your joint account) through the ICA program in each Bank on the Priority Bank List up to $1.5 million, excess funds above $1.5 million of deposit insurance ($3 million for joint accounts) will be invested in the J.P. Morgan Prime Money Market Fund - Service Shares. A prospectus for the J.P. Morgan Prime Money Market Fund - Service Shares is available from LPL Financial upon request. If invested in the J.P. Morgan Prime Money Market Fund - Service Shares, your funds are not eligible for FDIC deposit insurance.

The ability of the ICA program to sweep your uninvested cash into Bank deposit accounts depends, however, on the capacity of the Banks to accept new deposits. If one or more of the Banks at which you do not already have deposits decline to accept your uninvested cash, your cash that cannot be fully deposited into the Banks will be automatically invested into the J.P. Morgan Prime Money Market Fund - Service Shares just as it will be when your available cash exceeds the maximum level of available deposit insurance (currently $1.5 million for individual accounts and $3 million for joint accounts). When Bank capacity is restored, under the ICA program, your funds are automatically moved from the J.P. Morgan Prime Money Market Fund, and LPL Financial, as agent, will deposit those funds into deposit accounts with the available Bank(s), subject to the maximum amount of FDIC insurance.

The ICA program is available only to individuals, trusts (so long as all beneficiaries of the trust accounts are natural persons), and sole proprietorships. Custodial accounts are eligible for the Program if each beneficiary is an eligible person. LPL Financial may at its discretion deem an eligible person to be an ineligible person if LPL Financial becomes aware that the person is prohibited as a matter of law from holding funds at the Bank. Entities organized or operated to make a profit, such as corporations, partnerships, associations, business trusts, and other organizations (other than sole proprietorships), and discretionary investment advisory retirement accounts are not eligible for the ICA program. Please consult your financial advisor for additional details concerning eligibility.

Each Deposit Account constitutes a direct obligation of the Bank and is not directly or indirectly an obligation of LPL Financial. You can obtain publicly available financial information concerning each Bank at or by contacting the FDIC Public Information Center by mail at 3501 North Fairfax Drive, Room E-1005, Arlington, VA, 22226 or by phone at

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