Insured Bank Deposit program

Important information:

The FDIC insurance limit for all insurable capacities in the Insured Bank Deposit program is $250,000 per program bank. The insurance limit applicable to any deposits (including certificates of deposit) that you maintain in the same capacity directly with a bank, or through an intermediary (such as Edward Jones or another broker-dealer), will be aggregated with deposits in your deposit accounts at the program bank for purposes of the FDIC insurance limit. For example, if you have deposits in a bank through the program and also have made deposits at that bank outside the program, all of these deposits will count toward the FDIC limit. You are responsible for monitoring the total amount of deposits that you hold with any one bank in order to determine the extent of FDIC deposit insurance coverage available to you. Go to edwardjones.com/us-en/disclosures/account-features-service-terms/saving-spending-borrowing/insured-bank-deposit for more information about the Edward Jones Insured Bank Deposit program, including the program disclosure document. Go to FDIC.gov for more information about FDIC insurance.

Excluding a bank from holding your Insured Bank Deposit balances may result in a lower available program limit for FDIC insurance.

For the Insured Bank Deposit program, the program interest rate is impacted by several factors, including the total amount paid on deposits by the program banks, the fee paid to Edward Jones and a fee paid to a third party that assists Edward Jones in operating the program. Edward Jones determines the portion of revenue it receives as a fee. The fee paid to Edward Jones will affect the interest rate and may exceed the amounts paid to clients in the form of interest. Neither the program banks nor Edward Jones is required to offer the highest rates available. In contrast, money market mutual funds generally seek to achieve the highest rate of return consistent with their investment objectives, which can be found in their prospectuses.

Unlike the Insured Bank Deposit program, non-deposit investments held by your broker-dealer are NOT FDIC-INSURED / NOT BANK GUARANTEED / MAY LOSE VALUE.