The Program Banks are listed below. The list of Program Banks is subject to change at any time, and DBSI reserves the right to add or remove Program Banks from the IDP. You should monitor the list of Program Banks so that you may determine whether to designate a Program Bank as ineligible to receive your deposits. You may obtain a current list of Program Banks at http://deutschewealth.com/americas/en/us_important_information.html and clicking on "Cash Sweep Options Disclosure" and reviewing the section entitled "LIST OF PROGRAM BANKS." You will be notified by DBSI or by Pershing in the event that any Program Bank participating in the IDP rejects any additional deposits, withdraws entirely or is terminated from the Program by us, in which case you may, outside the Program, establish a direct depository relationship with the Program Bank, subject to the Program Bank's rules with respect to maintaining accounts. This will result in separating such deposits from your brokerage account. If you do not wish to establish a direct account with the Program Bank, or otherwise withdraw those funds from your account Pershing, as your agent, will reallocate your funds to another Program Bank. In the event that such reallocation is not possible within the limits of the Program, you authorize Pershing to transfer your balance to an alternate sweep vehicle, and DBSI will notify you of such action. Interest Interest on funds in the IDP will accrue daily and be credited to your account monthly on or about the 15th of each month. Interest begins to accrue on the day of deposit in the Program Bank and up to, but not including, the day of withdrawal from the Program Bank. Interest is calculated by applying a daily periodic interest rate to the balance level in the Deposit Account. The daily rate for each interest rate tier described below is 1/365 of the applicable interest rate. You will receive a Form 1099- INT from Pershing indicating the amount of interest paid to you