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Securities, mutual funds and other non-deposit investments in your Account are subject to the following disclosure:

NOT FDIC INSURED

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MAY LOSE VALUE

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NO BANK GUARANTEE

Cash balances in your Account may be placed on deposit at one or more FDIC-insured banks, including UMB Bank, NA and possibly other Depositories, and, if so, are insured to the maximum extent permitted under the FDIC's general deposit insurance rules in accordance with the Federal Deposit Insurance Act (further details can be found at www.fdic.gov/deposit/).