FICA is not a member of The Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA), but the Insured Depositories where your money is placed are FDIC and NCUA members. FDIC and NCUA are independent agencies of the U.S. government that protects the funds depositors place in FDIC and NCUA insured institutions. FDIC and NCUA deposit insurance is backed by the full faith and credit of the U.S. government. Balances held in your Custody Account may not receive FDIC and NCUA insurance.

If you have any cash at any Insured Depositories that is in the FICA network then you may not receive full FDIC or NCUA insurance coverage on your deposits at those institutions. Funds may be submitted for placement only after a depositor enters into a FICA agreement. The agreement contains important information and conditions regarding the placement of funds.

Liquidity is available on a next business day basis. Same day purchase credit and next day liquidity redemptions are subject to a 2:30 PM EST cut-off. Please read the FICA Terms and Conditions for withdrawal and settlement details.

Program banks in the FICA network are FDIC-insured "banks" and "savings associations" as those terms are defined in the Federal Deposit Insurance Act. The FDIC Limit is $250,000 per depositor per bank.

The NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions up to $250,000.

Insured deposits are backed by the full faith and credit of the United States.

Depositors should consult their tax advisor on all tax matters.

FICA is a registered trademark of StoneCastle Cash Management, LLC.