TEST CASE:
Mnemonic fruit wave dwarf banana earth journey tattoo true farm silk olive fence
Passphrase banana
BitPay
m/44'/0'/0'/0/0 13EuKhffWkBE2KUwcbkbELZb1MpzbimJ3Y
Electrum, iancoleman.github.io/BIP39/
m/44'/0'/0'/0/0 17rxURoF96VhmkcEGCj5LNQkmN9HVhWb7F
Also see iancoleman/bip39#58, I am not sure which clients are deriving properly / improperly, but we have a BIP39 mnemonic and passphrase that derives different addresses on different clients
@slush0 @prusnak