1. FDIC deposit insurance is available up to $250,000 (including principal and interest) per depositor at each program bank that participates through UMB Bank in the Ready Cash® program. The cash balance that you place at UMB Bank through the program is swept to one or more program banks, where it earns a variable rate of interest and is eligible for FDIC deposit insurance. If the number of program banks change, the aggregate amount of FDIC deposit insurance available to you may be higher or lower. If you have deposits outside the Ready Cash® program at a program bank, you should consider electing not to use the bank in the Ready Cash® program by following the opt-out instructions we provide. If you elect to opt-out, the aggregate amount of FDIC deposit insurance available to cover your Ready Cash® account will be lower. If you do not opt-out, your deposits through Ready Cash® and your other deposits at the same program bank will be combined for the purpose of determining your FDIC deposit insurance coverage at the bank, which could result in some of your deposits at that program bank being uninsured. For more information on FDIC deposit insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each program bank to determine the extent of FDIC deposit insurance coverage to them in accordance with FDIC rules.  



Ready Cash® is offered through Edelman Financial Engines, LLC (“EFE”), which is not a bank. The high yield savings account and its features are provided by UMB Bank n.a. Member FDIC (“UMB”). Participants in the program must open an account at UMB, through which your funds will be placed in accounts at participating program banks, which may include UMB. The advertised interest rates are paid by participating program banks, including UMB in its capacity as a participating program bank. Your funds will be FDIC insured up to applicable limits while in transit through UMB. UMB receives a fee from each program bank (except UMB) in connection with the program that is based on the aggregate daily closing balance of deposits held in program accounts by such program bank. The fee may vary from program bank to program bank and will generally increase as the aggregate amount of funds held in program accounts with the program bank increases. Separately, EFE receives a fee from UMB in connection with providing and maintaining the platform for the program. The information provided in your account application is being provided by you to UMB and EFE simultaneously, each of which may use this information in accordance with its respective privacy policy.