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      4. Raymond James Bank Deposit Program

        Raymond James offers a multibank sweep program that:

        • Provides Federal Deposit Insurance Corporation (FDIC) insurance coverage
        • Offers competitive interest rates.

        With this program, available cash in your brokerage account is deposited into interest-bearing deposit accounts at one or more banks, as described in the "Bank Priority Lists" section below.

        For accounts that elect the Raymond James Bank deposit program (RJBDP), and for all custodial retirement accounts, excess funds will be directed to a designated "excess bank" without limit and without regard to maximum-available FDIC coverage.

        To maximize insurance coverage, eligible clients can choose the Raymond James Bank deposit program with Client Interest Program (RJBDP with CIP) to provide additional insurance coverage on cash balances that exceed available FDIC coverage. Excess cash from the bank deposit program will be directed to CIP, providing Securities Investor Protection Corporation (SIPC) and excess SIPC coverage.

        Interest rates will remain the same between the bank deposit program and CIP, and as always, funds are immediately available for withdrawal or reinvestment.

        Bank priority lists

        There have recently been some changes to the bank priority lists.

        Bank Change made Effective Date
        BBVA USA (changed name from Compass Bank) Bank name change June 20, 2019
        Florida Community Bank Bank removed May 31, 2019
        Origin Bank Bank removed May 31, 2019
        Pinnacle Bank Bank removed May 31, 2019
        Umpqua Bank Bank added May 13, 2019
        Landmark Community Bank Bank added May 13, 2019
        NexBank Bank added March 1, 2019
        Fulton Bank Bank added January 16, 2019
        State Bank of India Bank removed November 30, 2018
        Bank of China Bank removed September 26, 2018
        Barclays Bank Delaware Bank removed September 7, 2018
        New York Community Bank Bank removed September 7, 2018
        South State Bank Bank removed August 31, 2018
        Community Bank Bank removed August 31, 2018
        First Mid-Bank & Trust, N.A. (changed name from First Mid-Illinois Bank & Trust) Bank name change June 25, 2018

        * As with all banks in RJBDP, any participating foreign-owned banks are fully FDIC-insured with U.S. branches and charters; they are governed and operate under the same laws and regulations as all U.S. banks. For privacy and security reasons, all deposits through RJBDP are made with U.S. branches through an omnibus account so your personal information is not shared with the participating banks.

        Clients whose brokerage accounts are not serviced through an advisor at an affiliated bank should refer to the regional priority lists.

        (See “How the priority lists work” for information on how funds flow between banks.)

        The following banks are “excess banks,” as described in the “Bank Priority List” section of the disclosures:

        • General Lists: Wells Fargo Bank, N.A., U.S. Bank N.A., Citibank, N.A., Raymond James Bank, N.A.
        • For Profit Lists: Citibank, N.A., Raymond James Bank, N.A., PNC Bank, N.A.

        Although you may decline to have funds deposited in any bank in the list, you must have a minimum of one excess bank selected for deposit.

        Effective June 20, 2019.

        Towne Bank Towne Bank: For-Profit Accouns Extraco Bank Extraco Bank: For-Profit Accounts
        Towne Bank Towne Bank Extraco Banks, N.A. Extraco Banks, N.A.
        Raymond James Bank, N.A. Raymond James Bank, N.A. Raymond James Bank, N.A. Raymond James Bank, N.A.
        Goldman Sachs Bank USA The Bank of East Asia Ltd. American Express National Bank BBVA USA
        U.S. Bank N.A. Umpqua Bank U.S. Bank N.A. The Bank of East Asia Ltd.
        Citibank, N.A. Extraco Banks, N.A. The Bank of East Asia Ltd. Towne Bank
        American Express National Bank Amarillo National Bank SunTrust Bank Amarillo National Bank
        Manufacturers and Traders Trust Company First Mid Bank & Trust, NA Manufacturers and Traders Trust Company First Mid Bank & Trust, NA
        Amarillo National Bank Franklin Synergy Bank Amarillo National Bank Franklin Synergy Bank
        Umpqua Bank Cadence Bank, N.A. Franklin Synergy Bank Cadence Bank, N.A.
        Bank of Hope Bank of Hope First Mid Bank & Trust, NA Bank of Hope
        The Bryn Mawr Trust Company PNC Bank, N.A. Towne Bank PNC Bank, N.A.
        The Bank of East Asia Ltd. Citibank, N.A. PNC Bank, N.A. SunTrust Bank
        Cadence Bank, N.A. NexBank, SSB Umpqua Bank Umpqua Bank
        Extraco Banks, N.A. Synchrony Bank NexBank, SSB NexBank, SSB
        First Mid Bank & Trust, NA Texas Capital Bank NA Landmark Community Bank Landmark Community Bank
        Franklin Synergy Bank The Bryn Mawr Trust Company Wells Fargo Bank N.A. Wells Fargo Bank N.A.
        NexBank, SSB West Bank Citibank, N.A. West Bank
        PNC Bank, N.A. Landmark Community Bank Goldman Sachs Bank USA The Bryn Mawr Trust Company
        Synchrony Bank Banc of California Cadence Bank, N.A.
        Texas Capital Bank NA Bank of Hope
        West Bank West Bank
        Landmark Community Bank The Bryn Mawr Trust Company
        Banc of California BBVA USA
        Amarillo National Bank Amarillo National Bank: For-Profit Accounts Pinnacle Bank Pinnacle Bank: For-Profit Accounts
        Amarillo National Bank Amarillo National Bank Raymond James Bank, N.A. Raymond James Bank, N.A.
        Raymond James Bank, N.A. Raymond James Bank, N.A. American Express National Bank BBVA USA
        American Express National Bank BBVA USA Citibank, N.A. Towne Bank
        U.S. Bank N.A. Towne Bank U.S. Bank N.A. The Bank of East Asia Ltd.
        Citibank, N.A. The Bank of East Asia Ltd. Manufacturers and Traders Trust Company Extraco Banks, N.A.
        Manufacturers and Traders Trust Company NexBank, SSB First Mid Bank & Trust, NA Amarillo National Bank
        BBVA USA Extraco Banks, N.A. BBVA USA First Mid Bank & Trust, NA
        Franklin Synergy Bank First Mid Bank & Trust, NA Franklin Synergy Bank Franklin Synergy Bank
        NexBank, SSB Franklin Synergy Bank The Bryn Mawr Trust Company Cadence Bank, N.A.
        Bank of Hope Cadence Bank, N.A. Bank of Hope
        Cadence Bank, N.A. Bank of Hope PNC Bank, N.A.
        Extraco Banks, N.A. PNC Bank, N.A.
        First Mid Bank & Trust, NA Citibank, N.A.
        PNC Bank, N.A. Landmark Community Bank
        The Bank of East Asia Ltd. Umpqua Bank
        Towne Bank
        Landmark Community Bank
        Umpqua Bank
        Florida Community Bank, N.A. Florida Community Bank, N.A.: For-Profit Accounts Franklin Synergy Bank Franklin Synergy Bank: For-Profit Accounts
        Raymond James Bank, N.A. Raymond James Bank, N.A. Franklin Synergy Bank Franklin Synergy Bank
        American Express National Bank BBVA USA Raymond James Bank, N.A. Raymond James Bank, N.A.
        U.S. Bank N.A. Towne Bank American Express National Bank Umpqua Bank
        SunTrust Bank The Bank of East Asia Ltd. Citibank, N.A. BBVA USA
        Citibank, N.A. Extraco Banks, N.A. Umpqua Bank First Mid Bank & Trust, NA
        Manufacturers and Traders Trust Company Amarillo National Bank SunTrust Bank Towne Bank
        BBVA USA First Mid Bank & Trust, NA First Mid Bank & Trust, NA The Bank of East Asia Ltd.
        The Bryn Mawr Trust Company Franklin Synergy Bank Manufacturers and Traders Trust Company NexBank, SSB
        Cadence Bank, N.A. Amarillo National Bank Extraco Banks, N.A.
        Bank of Hope Extraco Banks, N.A. Amarillo National Bank
        PNC Bank, N.A. NexBank, SSB Bank of Hope
        Bank of Hope PNC Bank, N.A.
        BBVA USA Citibank, N.A.
        PNC Bank, N.A. SunTrust Bank
        The Bank of East Asia Ltd. Landmark Community Bank
        Towne Bank
        Landmark Community Bank
        Fulton Bank Fulton Bank: For-Profit Accounts
        Fulton Bank NA Fulton Bank NA
        Raymond James Bank, N.A. Raymond James Bank, N.A.
        BBVA USA BBVA USA
        Goldman Sachs Bank USA Citibank, N.A.
        Synchrony Bank Umpqua Bank
        U.S. Bank N.A. NexBank, SSB
        Citibank, N.A. Cadence Bank, N.A.
        American Express National Bank Bank of Hope
        Umpqua Bank West Bank
        NexBank, SSB First Mid Bank & Trust NA
        Cadence Bank, N.A. Texas Capital Bank NA
        Franklin Synergy Bank Amarillo National Bank
        Bank of Hope Extraco Banks, N.A.
        West Bank Franklin Synergy Bank
        First Mid Bank & Trust NA Synchrony Bank
        Amarillo National Bank Banc of California
        Extraco Banks, N.A.
        Texas Capital Bank NA
        Banc of California

        How the priority lists work

        Raymond James establishes contracts with multiple banks, which are included in one or more bank priority lists. Your account’s legal address of record determines which list is used to determine the order in which your available cash in your brokerage account will be deposited into interest-bearing deposit accounts at one or more of the banks set forth on the predetermined list.

        If your cash balance exceeds the FDIC insurance limit for all funds at the first bank on the list, the excess cash will be deposited in the next bank. If you still have excess cash, those funds will be deposited in the third bank Raymond James has designated. This process continues through all banks on the priority list, providing FDIC coverage up to $3 million, or $6 million for joint accounts. As always, you have immediate access to your funds should you wish to withdraw or reinvest them.

        Your priority list may also include one or more excess banks that will accept funds from retirement accounts without limit and without regard to the maximum applicable deposit insurance amount if all banks on the priority list have received funds up to the applicable deposit limit. If all your funds are withdrawn from an excess bank, the next time your funds are available for deposit in an excess bank they may be deposited in a different excess bank. This may also apply to certain non-retirement accounts that do not elect to have excess funds swept to the Raymond James Client Interest Program, as described below.

        For non-retirement accounts, if all banks on the priority list have received your funds up to the applicable deposit limit, your next available funds will be deposited in the Raymond James Client Interest Program (and covered by SIPC/Excess SIPC insurance), as long as you have not opted for an alternative.

        The deposit insurance coverage limits refer to the total of all deposits that an account holder has in the same ownership categories at each FDIC-insured institution. Visit fdic.gov for more information.

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