·     Designed for All Age Demographics:  seeking safety & peace of mind with principal & interest guaranteed by Issuing Bank, if held to maturity

·     100% Principal Protection:  no downside risk, if held to maturity

·     Affordable:  $1,000.00 minimum deposit

·     FDIC Insured:  up to $250,000 and limits imposed by law

·     No Direct Market Risk:  unlike risk associated with owning stocks, bonds or mutual funds

·     Liquidity:  although designed as buy and hold deposit, annual early withdrawal options and death options are available subject to notice and pricing procedures defined in Index CD’s Disclosure Statement

·     No Customer Commissions:  100% of deposit is invested immediately

·     Great for Tax Deferred Accounts:  such as Traditional IRAs, Roth IRAs, SEP & Simple IRAs, 401(k)s,
college savings plans, not-for profit organizations, and others