THE BANK DOES NOT HAVE ANY OBLIGATION TO ADVISE OR TO RECOMMEND TO THE SPONSOR, OR THE PARTICIPANTS OF THE PLAN, THE PURCHASE RETENTION, SALE, OR EXCHANGE OF ANY SECURITIES OR OTHER PROPERTY AT ANY TIME. INVESTMENT SELECTIONS ARE AT THE SOLE DISCRETION OF PLAN PARTICIPANTS.

MUTUAL FUNDS ARE NOT DEPOSITS OR OBLIGATIONS OF OR GUARANTEED OR ENDORSED BY THE SAVINGS INSTITUTE. THEY ARE NOT INSURED BY, GUARANTEED BY, OBLIGATIONS OF OR OTHERWISE SUPPORTED BY THE U.S. GOVERNMENT, THE FDIC OR ANY OTHER FEDERAL OR STATE GOVERNMENTAL AGENCY. INVESTMENT RETURN AND PRINCIPAL VALUE WILL VARY AS A RESULT OF MARKET CONDITIONS OR OTHER FACTORS SO THAT SHARES OF FUNDS, WHEN REDEEMED, MAY BE WORTH MORE OR LESS THAN THEIR ORIGINAL COST. AN INVESTMENT IN MUTUAL FUNDS INVOLVES INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE ENTIRE PRINCIPAL AMOUNT INVESTED.

INTERNATIONAL INVESTING INVOLVES SPECIAL RISKS INCLUDING CURRENCY FLUCTUATION, INCREASED VOLATILITY OF FOREIGN SECURITIES AND DIFFERENCES IN AUDITING AND OTHER FINANCIAL STATEMENTS.