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CONSUMER PROTECTION IN SALES OF INSURANCE

• the insurance product or annuity is not a deposit or other obligation of, or guaranteed by, the bank or an affiliate of the bank;
• the insurance product or annuity is not insured by the FDIC or any other agency of the United States, the bank, or (if applicable) an affiliate of the bank; and
• in the case of an insurance product or annuity that involves an investment risk, there is investment risk associated with the product, including the possible loss of value. [860301]