Market Linked certificates of deposit

1. Market Linkedcertificates of deposit If you are looking for the safety of CDs with the potential for greater returns; you now have a choice. This presentation is for educational purposes only and is not intended to be an offer to purchase MLCDs. Interested depositors should request disclosures and product supplements from their financial advisor and review each carefully prior to purchase.

2. History of MLCDs • Market Linked CDs were developed by Chase Bank in 1987 for their wealthiest clients. • Today, many well known banks now offer MLCDs with initial deposits as low as $25,000. • In 2011, over $60 Billion of Market-Linked products were issued in the United States (source: Structured Products Weekly). This presentation is for educational purposes only and is not intended to be an offer to purchase MLCDs. Interested depositors should request disclosures and product supplements from their financial advisor and review each carefully prior to purchase.

3. How MLCDs Work • MLCDs are issued by the domestic subsidiaries of major banks. • They are principal protected and guaranteed if held to maturity (generally 5 to 7 years). • The majority of MLCDs pay variable ANNUAL interest linked to the performance of stocks or commodities up to a CAP. • Many MLCDs also offer guaranteed ANNUAL fixed interest. This presentation is for educational purposes only and is not intended to be an offer to purchase MLCDs. Interested depositors should request disclosures and product supplements from their financial advisor and review each carefully prior to purchase.

4. How MLCDs Work (cont.) • MLCDs can be purchased in retirement and taxable accounts. • MLCDs are liquid: • If a depositor needs to sell MLCDs prior to maturity, issuers will buy them back from the client and “retire” them. • Depositors who sell prior to maturity may receive less or more than their original deposit. • Liquidation price will depend on a variety of factors including: Interest rates; time left until maturity; and the performance of the underlying stocks or commodities. • Market Linked CDs are FDIC Insured up to statutory limits (generally $250,000 per bank per account registration). This presentation is for educational purposes only and is not intended to be an offer to purchase MLCDs. Interested depositors should request disclosures and product supplements from their financial advisor and review each carefully prior to purchase.

5. MLCDs – Additional Info • MLCDS are the only financial product that offers: • The guaranteed return of your principal at maturity. • The protection of FDIC Insurance. • The potential to earn reasonable rates of return. • Market-Linked CDs are issued in “book entry form,” this means there is no physical certificate issued. • Evidence of the CD is held by a custodian for the benefit of the depositor. This presentation is for educational purposes only and is not intended to be an offer to purchase MLCDs. Interested depositors should request disclosures and product supplements from their financial advisor and review each carefully prior to purchase.

6. Why MLCDs? MLCDs have become popular for many reasons: • Peace of mind (Safety of Principal). • Security (FDIC insurance). • Potential (Reasonable Rate of Return). • Innovation (Features not available in other products). This presentation is for educational purposes only and is not intended to be an offer to purchase MLCDs. Interested depositors should request disclosures and product supplements from their financial advisor and review each carefully prior to purchase.

7. Innovation-Auto Cap feature

8. How would you rank these features in importance to you? • Safety • Time • FDIC Insurance • Return/Interest/Yield • Liquidity This presentation is for educational purposes only and is not intended to be an offer to purchase MLCDs. Interested depositors should request disclosures and product supplements from their financial advisor and review each carefully prior to purchase.

9. MLCD Purchase Process • Choose the asset allocation that’s right for you, i.e. stocks, commodities or a combination. • Choose the maturity period that fits your objectives. • 5, 6, or 7 years. • Or a combination (“Laddering”). • Complete the simple application to open the custodial account where evidence of your CD will be held. • Provide a non-expired picture I.D. (DL or Passport). • Make check out to the custodian who will deposit your funds in an FDIC Insured interest bearing account until MLCDs purchase: Example: “ABC Trust Company” FBO “John Doe” This presentation is for educational purposes only and is not intended to be an offer to purchase MLCDs. Interested depositors should request disclosures and product supplements from their financial advisor and review each carefully prior to purchase.

11. Product Selection

12. The Yellow Pad Presentation

13. This presentation is for educational purposes only and is not intended to be an offer to purchase MLCDs. Interested depositors should request disclosures and product supplements from their financial advisor and review each carefully prior to purchase.