DepositxChange® Program Disclosures

DepositxChange® is a core account investment vehicle comprised of Federal Insurance Deposit Corporation (the “FDIC”) insurance eligible bank deposits used to hold employee benefit plan participant investment balances as part of the regularly offered plan investment lineup.

To Plan Sponsors and Trustees:

As a retirement plan sponsor, your administrator or advisor may have assisted you, or chosen in your behalf, DepositxChange® as an investment menu option available to your plan participants. DepositxChange® is a multi-bank cash deposit option that offers participants an FDIC eligible deposit product as an alternative or supplement to money market funds, stable value products, and single bank deposits. DepositxChange® is presented as a single addition to the plan’s investment menu with a single blended rate. DepositxChange® will automatically manage the deposits across the banks participating in the program. It is important that you are aware of disclosure items and terms of usage of DepositxChange® which may change from time to time. Please refer to the Customer Disclosure Document and Terms of Usage for I and II and also for III for this important information. Detailed information, including information regarding participating banks, current interest rates, and other important information regarding DepositxChange® is available in the DepositxChange® Programs listed below. In addition please refer to your monthly plan account statements for current balances, interest rates and other information.

To Plan Participants Invested in DepositxChange® Bank Deposits:

If you are a plan participant invested in bank deposits through the DepositxChange® program, it is important that you monitor your bank deposits diligently as you would any other investment held in your behalf by the plan. In addition, at the time funds are deposited with one or more DepositxChange® program Banks, your deposits are eligible, subject to the limitations described in the Customer Disclosure Document and Terms of Usage for I and II and also for III, to be insured, up to applicable limits, by the FDIC. The FDIC’s insurance coverage for all insurable capacities (e.g., individual, joint, IRA, etc.) is $250,000. Therefore, funds in the deposit accounts held in your behalf at each program bank are generally eligible for deposit insurance by the FDIC up to a total of $250,000 principal and accrued interest per depositor in most insurable capacities (e.g., individual, joint, IRA, etc.) when aggregated with all other deposits held in the same insurable capacity at a program bank. Please refer to the above link for a more complete discussion of applicable insurance limits, and for links to the FDIC and how to access other information sources regarding the participating banks and deposit insurance. As plan participant, since only you have the information about your other applicable banking relationships outside of the DepositxChange® program, you are responsible for monitoring the aggregate levels of deposit insurance coverage available to your deposit. Detailed information about your deposits, including information regarding participating banks, current interest rates, and other important information regarding DepositxChange® is available in the DepositxChange® Programs listed below. Also, be sure to contact your plan sponsor, administrator or plan advisor with any questions.