FLEXINSURED ACCOUNT®

The FlexInsured Account is an excellent complement to your investment account with Cetera Financial Specialists 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 0.10%
Tier 2 $25,000 - $49,999 0.10%
Tier 3 $50,000 - $99,999 0.20%
Tier 4 $100,000 - $249,999 0.20%
Tier 5 $250,000 - $499,999 0.25%
Tier 6 $500,000 - $749,999 0.30%
Tier 7 $750,000 - $999,999 0.40%
Tier 8 $1,000,000 - $1,499,999 0.40%
Tier 9 $1,500,000 - $4,999,999 0.50%
Tier 10 $5,000,000 - $9,999,999 0.55%
Tier 11 $10,000,000 - above 0.60%

LIST OF PARTICIPATING FINANCIAL INSTITUTIONS

  1. Androscoggin Bank, Lewiston, ME
  2. Associated Bank, Green Bay, WI
  3. Bank Hapoalim, New York, NY
  4. Bank of China, New York, NY
  5. Branch Bank & Trust, Lumberton, NC
  6. Citibank NA, Sioux Falls, SD
  7. Citizens Bank NA, Providence, RI
  8. Compass Bank, Birmingham, AL
  9. East West Bank, Pasadena, CA
  10. Evolve Bank & Trust, Memphis, TN
  11. Farmers & Merchants Bank, Milford, NE
  12. First Guaranty Bank, Hammond, LA
  13. Flushing Bank, Flushing, NY
  1. Glacier Bank, Kalispell, MT
  2. Israel Discount Bank of New York, New York, NY
  3. Morris Bank, Dublin, GA
  4. New York Community Bank, Westbury, NY
  5. Plains Capital Bank, Dallas, TX
  6. Quontic Bank, Astoria, NY
  7. Seaside National Bank & Trust, Orlando, FL
  8. Simmons First National Bank, Pine Bluff, AR
  9. Third Coast Bank SSB, Humble, TX
  10. Tristate Capital Bank, Pittsburgh, PA
  11. United Bank, Glastonbury, CT
  12. Valley National Bank, Wayne, NJ
  13. Wex Bank, Midvale, UT
FINANCIAL INSTITUTION EXEMPTION FORM