Important product disclosures

Cash Sweep Program

Cash Sweep Features

There are two sweep features for clients to earn income on uninvested cash balances in their account - the Bank Deposit Sweep and the Money Market Fund Sweep. Eligibility is based on the type of investment account and nature of account ownership.

Money market funds are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your H.D. Vest Advisor. Read it carefully before you invest.

An investment in a money market fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at one dollar per share, it is possible to lose money by investing in the fund.

How the Bank Deposit Sweep Program Works

With the Bank Deposit Sweep, the more assets you hold with us, the higher your interest rate will be for the cash deposited into the Sweep program. Other benefits include the ability to have up to $750,000 FDIC insurance for deposits in your account when deposits are held at all three Affiliated Banks.

Your available cash — including deposits, dividends, interest and proceeds from sales in your brokerage account — will be automatically deposited into interest-bearing deposit accounts at up to three banks affiliated with Wells Fargo & Company ("Affiliated Banks"), providing FDIC insurance.

Additional information is contained in the Cash Sweep Program Disclosure Statement.

FDIC Insurance Coverage for the Bank Deposit Program

Balances in the Bank Deposit Sweep are insured up to $250,000 (or other applicable amount) per Affiliated Bank by the Federal Deposit Insurance Corp. (FDIC) for each category of legal ownership for a total of $750,000 in FDIC insurance coverage.

The following banks are affiliates of Wells Fargo Advisors, LLC (“WFA”) and will be operating as affiliated program banks (“Affiliated Banks”) in the Bank Deposit Sweep Program:

• Wells Fargo Bank, N.A.
• Wells Fargo Bank South Central, N.A.
• Wells Fargo Bank Northwest, N.A.

Balances in the Bank Deposit Sweep in excess of $750,000 will be deposited at Wells Fargo Bank, N.A. and may not be FDIC insured.

For purposes of calculating FDIC insurance limits, the cash balances in the Bank Deposit Sweep Program at any one of the Affiliated Banks will be combined with deposit balances held directly by or indirectly for you at the same bank (including checking accounts, CDs and other deposits in your name or held through an agent or fiduciary in the same capacity) in the same ownership category. You are responsible for monitoring the total amount of all direct or indirect deposits held by you or for you with these banks for purposes of determining the amounts eligible for coverage by FDIC insurance, including deposits in brokerage sweep accounts and/or deposit accounts. The limitations on FDIC coverage apply to your deposits, whether made by you on your own or through the Bank Deposit Sweep Program. To assist with calculating your aggregated deposits and the associated insurance coverage, the FDIC has an Electronic Deposit Insurance Estimator.

Please see the Cash Sweep Program Disclosure Statement for more information on FDIC insurance coverage.

Money Market Fund Sweep

The Money Market Fund Sweep automatically sweeps uninvested cash balances into a money market fund.

• The Money Market Sweep is protected by SIPC. Questions regarding SIPC coverage should be directed to the Securities Investor Protection Corporation.

An Investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Wells Fargo Advantage Money Market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.

Note: To learn more about these SWEEP FEATURES or alternatives, please contact your H.D. Vest Advisor.

Cash Sweep Program Disclosure Statement