Disclaimer/Trademark Section

FDIC

Federal Deposit Insurance Corporation (FDIC) protects each depositor up to $250,000.

S&P

"Standard & Poor’s®” “S&P®” “S&P 500®” “Standard & Poor’s 500” and “500” are trademarks of The McGraw-Hill Companies, Inc., and have been licensed for use by the Bank and Index Powered Financial Services, LLC."

The Product is not sponsored, endorsed, sold or promoted by Standard & Poor's, a division of The McGraw-Hill Companies, Inc. ("S&P"). S&P makes no representation or warranty, express or implied, to the owners of the Product or any member of the public regarding the advisability of investing in securities generally or in the Product particularly or the ability of the S&P 500 Index to track general stock market performance. S&P's only relationship to the Licensee is the licensing of certain trademarks and trade names of S&P and of the S&P 500 Index which is determined, composed and calculated by S&P without regard to the Licensee or the Product. S&P has no obligation to take the needs of the Licensee or the owners of the Product into consideration in determining, composing or calculating the S&P 500 Index. S&P is not responsible for and has not participated in the determination of the prices and amount of the Product or the timing of the issuance or sale of the Product or in the determination or calculation of the equation by which the Product is to be converted into cash. S&P has no obligation or liability in connection with the administration, marketing or trading of the Product.

S&P DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE S&P 500 INDEX OR ANY DATA INCLUDED THEREIN AND S&P SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. S&P MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500 INDEX OR ANY DATA INCLUDED THEREIN. S&P MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE S&P 500 INDEX OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL S&P HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

IPFS

"Index Powered®" is a registered trademark of Index Powered Financial Services, LLC. Any unauthorized use of this name without the express written consent of Index Powered Financial Services, LLC (IPFS) is prohibited.

IPFS expressly disclaims any warranties, either express or implied, including all warranties of merchantability or fitness for a particular purpose or use with respect to Index Powered® Certificates of Deposit (IPCDs), or any informational data relating to IPCDs which may be obtained from this web site. Without diminishing any of the aforementioned disclaimers, in no event shall IPFS assume any liability for any damages sustained by any person or entity as a result of or related to any reliance upon informational data obtained from this web site, including, but not limited to, liability for any compensatory, special, punitive, indirect or consequential damages, including lost profits, even if notified of the possibility of such damages. This web site consists of informational data supplied by various third parties. IPFS makes no warranties, either express or implied, as to the accuracy and/or completeness of informational data accumulated and provided in this web site, and IPFS shall assume no liability for any errors, omissions or interruptions therein. IPFS makes no warranty, either express or implied, as to results to be obtained by any person or entity, including owners of IPCD products, based upon informational data provided in this web site.