Electronic communications sent to or from InspereX are subject to the following terms and conditions.

InspereX reserves the right to monitor and review the content of all messages sent to or from InspereX e-mail addresses. Messages sent to or from an InspereX e-mail address may be stored on the InspereX e-mail system. InspereX does not endorse any website that may be linked to the Firm’s electronic communications. Further, InspereX does not warrant or endorse any of the policies, activities, products or services offered on such linked website or by any advertiser on such website. 

Marketing and Solicitations

InspereX LLC markets only to broker-dealers, banks, advisory firms and other institutional investors.  Material and any attachment or hyperlink in an electronic communication is not to be distributed to individual “retail” investors.  Nothing contained therein is to be considered a solicitation to any retail investor, research material, an investment recommendation or advice of any kind.  Individual investors should consult with their financial and tax advisors before making any purchase and should review the relevant offering documents for information on risk and suitability considerations related to specific securities. 

InspereX LLC may have included certain representations, projections and comparisons concerning particular investment products.  Such representations, projections and comparisons reflect the opinions of InspereX LLC and may not be accurate either now or at a future date.   Consequently, you should not rely on such representations, projections, comparisons or other opinions of InspereX LLC in purchasing an investment product or making a recommendation to a customer.  Current and future economic and other market events concerning an investment product or an issuer thereof may cause the information provided herein to be incorrect.  Past performance is not indicative of future results and should never be relied upon in making an investment decision or recommendation.

Receipt of Orders

InspereX does not accept time sensitive, action-oriented messages or transaction orders, including orders to purchase or sell securities via electronic communication. An order sent to InspereX by email or instant message is not deemed to be received by InspereX LLC until an InspereX LLC representative verifies the order details with a phone call to the client or acknowledges receipt of the order via email or instant message to the client.  InspereX LLC does not accept client orders sent via fax or voicemail systems.  Additionally, any pricing information contained within electronic mail may be for informational purposes only, may be subject to prior purchase or sale and to subsequent change in price, and may not reflect a current bona fide quotation. Please contact an InspereX LLC representative for current market quotations and pricing information.

Reproduction and Redistribution

Electronic communications sent from InspereX are intended only for the addressee. Please notify the sender by e-mail if you are not the intended recipient. If you are not the intended recipient, you may not copy, disclose, forward or distribute this message or its contents to any other person and any such actions may be unlawful. InspereX does not warrant the accuracy or completeness of any information contained herein and the information contained herein may be subject to change without notice.

Complex Product Risks and Disclosures

Any financial product sold prior to maturity may be worth more or less than the original amount invested. Depending upon the specific product offering, investment risks include, but are not limited to, interest rate risk, credit risk, call risk and liquidity risk. Additionally, unless otherwise specified in the respective offering documentation, the product(s) discussed herein are not FDIC insured, may lose value, and are not bank guaranteed. InspereX LLC does not offer or sell investment products to individual investors. Investors should carefully review and understand the offering documents and consult with their financial and tax advisors prior to investing in any financial product(s).

To the extent this communication contains information pertaining to complex investment products, such products contain unique risks, terms, conditions and fees specific to each offering, and the overall performance of the product is dependent upon the performance of an underlying derivative financial instrument, formula or strategy. Return of principal is not guaranteed and is subject to credit risk of the issuer. Investments in complex products are subject to the risks of the underlying asset classes to which the product is linked, which include, but is not limited to, market risk, liquidity risk, call risk, income risk as well as other risks associated foreign, developing or emerging markets, such as currency, political and economic risks. Depending upon the particular complex product, participation in any underlying or linked product is subject to certain caps and restrictions. Any investment product with leverage associated may work for or against the investor. Investors should refer to the respective offering documents for specific details of product features before investing. Market-Linked Certificates of Deposit (“MLCDs”) are subject credit risk of the issuer above FDIC insurance limits. Investors that sell complex products or MLCDs prior to maturity are subject to the risk of loss of principal, as there may not be an active secondary market. You should not purchase a complex investment product or make an investment recommendation to a customer until you have read the specific offering documentation and understand the specific investment terms and risks of such investment.

Securities and Exempted Securities

Certain of the offerings listed herein maybe registered with the U.S. Securities and Exchange Commission (“SEC”).  With respect to such offerings, the issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which the communication relates. Before you invest, you should read the prospectus that forms part of that registration statement and other documents the issuer has filed with the SEC for more complete information about the issuer, this offering and the risks associated with an investment in the offered securities. You may obtain these documents for free by visiting the websites below. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling toll-free 1-800-327-1546 or 1-800-327-1546.

SEC:
http://www.sec.gov/edgar.shtml
MSRB:
http://emma.msrb.org/Search/Search.aspx
FHLB:
http://www.fhlb-of.com
FFCB:
http://www.farmcredit-ffcb.com
GNMA:
http://www.ginniemae.gov
FNMA:
http://www.fanniemae.com/markets/debt/ (debt securities)
FNMA:
http://www.fanniemae.com/mbs/ (mortgage backed)
FHLMC:
http://www.freddiemac.com/debt/ (debt securities)
FHLMC:
http://www.freddiemac.com/mbs/ (mortgage backed)

Pursuant to Rules 172 and 173 promulgated by the Securities and Exchange Commission ("SEC") under the Securities Act of 1933, as amended, InspereX LLC may be exempt from the requirement to deliver a hard copy of the final prospectus to purchasers in certain registered public offerings of securities ("access equals delivery exemption”). These SEC rules permit underwriters and dealers to fulfill their prospectus delivery requirements through an "access equals delivery" system whereby the customer will be deemed to have received delivery of the final prospectus by virtue of notification of its availability on the SEC's EDGAR website, when an issue is made pursuant to a registration statement or prospectus.

Prospectuses are prepared and filed with the SEC by the respective issuer. Accordingly, InspereX LLC makes no warranty or representation that the information contained therein is accurate or complete. Please note that prospectuses may only be valid during the required delivery period and may not reflect current information regarding the securities offered or the issuer.

The information contained herein does not constitute an offer to sell or a solicitation of an offer to buy securities. Investment products described herein may not be offered for sale in any state or jurisdiction in which such an offer, solicitation or sale would be unlawful or prohibited by the specific offering documentation.

Municipal Securities Disclosure

If this message is received by a Municipal Securities Issuer you are hereby notified that InspereX LLC is not your financial advisor (FA). Further, InspereX LLC is not acting as a municipal advisor and the opinions or views contained herein are not intended to be, and do not constitute, advice, including within the meaning of Section 15B of the Securities Exchange Act of 1934.

Conflicts of Interest Disclosure

InspereX LLC is a financial services firm that regularly seeks investment banking assignments and compensation from securities issuers for services including, but not limited to, acting as an underwriter, manager, co-manager or syndicate member in a securities offering. Readers of marketing materials, research reports or market commentaries produced by InspereX should assume that InspereX LLC or one of its affiliates is seeking or will seek investment banking and/or other business relationships with any issuer or issuers mentioned in such materials. The author of this material may be a member of the Capital Markets Department (i.e., Investment Banking) of InspereX LLC, and is not a Research Analyst. Any opinions expressed herein may differ from opinions expressed by other departments of InspereX LLC, including our Equity or Fixed Income Research Departments. This material may include discussions of securities or financial products that InspereX LLC, may have positions, long or short, held proprietarily or in trust. InspereX LLC may execute transactions which may not be consistent with any discussion or conclusion contained herein. InspereX LLC may also have received compensation for preforming investment banking services or be (or has previously been) engaged in soliciting or preforming other services for the issuer(s) of the securities discussed herein. Further, InspereX LLC may have received compensation as a manager or co-manager in a public offering for the issuer(s) mentioned herein.  The information and data contained herein is subject to change without notice. Additionally, the content of this material was obtained from sources believed to be reliable, but InspereX does not warrant the accuracy or completeness of any information contained herein and provides no assurance that this information is, in fact, accurate. The information contained herein is for illustrative purposes only and may not represent specific securities available at any given time. This material should not be considered, construed or followed as investment advice, an investment recommendation or research material. InspereX does not provide financial planning, legal or tax advice. Past performance is not indicative of future results.

Not a Fiduciary

To the extent this communication is provided to an individual investor or an account subject to the Employee Retirement Income Security Act of 1974 or Section 4975 of the Internal Revenue Code, the information contained herein is provided solely on the basis that it will not constitute investment advice and will not form a primary basis for any person’s or plan’s investment decisions, and nothing in this communication (or linked hereto) will result in InspereX becoming a fiduciary or advisor with respect to any person or plan. To the extent this material is provided to any other recipient, this material is provided solely on the basis that the recipient has the capability to independently evaluate investment risk, features, terms and conditions, and is exercising independent judgment in evaluating investment decisions in that its investment decisions will be based on its own independent assessment of the opportunities and risks presented by a potential investment and corresponding investment considerations.

Oral Authorization and Voice Recording

InspereX LLC will not be held liable in acting upon oral instructions given to us concerning your accounts, provided such instructions reasonably appear to be genuine. Certain telephone conversations regarding transactions with InspereX LLC may be recorded for verification and record keeping purposes.

Online and Electronic Systems

If you or any of your employees or agents access or use any internet site or on-line or other electronic system operated for or by us/or any account access, trading, order entry or other services, systems, capabilities or market or other data or content available through any of the foregoing (each, an "Electronic Service"), you acknowledge and agree that such Electronic Service is being made available to you or such other person without any warranty whatsoever, either express or implied, and you agree that any such access or use will be solely at your own risk, and neither we nor any vendor or source will have any liability whatsoever relating to or arising out of any such access or use or any/inaccuracies.

Customer Complaints

All complaints should be made by writing to InspereX LLC’s Compliance Department, Attention: Chief Compliance Officer, InspereX LLC 200 South Wacker Drive, Suite 3400, Chicago, IL 60606 or by calling the InspereX LLC Compliance Department. Please describe the complaint in detail.

FINRA Public Disclosure Information & FINRA BrokerCheck

The Board of Governors of FINRA, Inc. has adopted a public disclosure policy that provides certain types of disciplinary information on FINRA Member Firms and their Associated Persons in response to written inquiries via FINRA’s Regulation's web site address (www.finra.org) or telephone inquiries via FINRA Regulation's toll-free telephone Design listing (1-800-289-9999 or1-800-289-9999).  Additionally, you may check the background of your investment professional by looking up a brokerage firm or broker in FINRA BrokerCheck. For questions regarding BrokerCheck, FINRA provides a toll-free hotline at (800) 289-9999 or (800) 289-9999, which is available Monday through Friday from 8:00AM until 8:00PM Eastern time. BrokerCheck may be found on the FINRA website at http://www.FINRA.org under the heading “Investors”.

MSRB G-10 Disclosures: Investor and Municipal Advisory Client Education and Protection

InspereX LLC is registered with the Municipal Securities Rulemaking Board (MSRB) and the U.S. Securities and Exchange Commission as a broker-dealer. The MSRB website address is http://www.msrb.org. An investor brochure and a municipal advisory client brochure that describes the protections available under the MSRB rules and how to file a complaint with an appropriate regulatory authority may be obtained on the MSRB website.

Electronic Communications & CAN-SPAM Act of 2003

If you are receiving this email as part of an electronic communication that would qualify under the definition of “Commercial Email” under the CAN-SPAM Act of 2003, Please click here to unsubscribe

USA PATRIOT Act and Anti-Money Laundering Program
Important Information about Procedures for Opening a New Account

USA PATRIOT Act of 2001 is designed to detect, deter, and punish terrorists in the United States and abroad and imposes anti-money laundering (“AML”) requirements on brokerage firms and financial institutions. Under the Act’s provisions, all brokerage firms are required to have comprehensive AML programs. As part of our AML program, we may ask you to provide various identification documents or other information prior to effecting any transactions for you.

IMPORTANT INFORMATION YOU NEED TO KNOW ABOUT OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account. What this means for you: When you open an account, we will ask for your name, address, tax identification number, and other information that will allow us to identify you. The firm may also ask for other identifying documents.

For a corporation, partnership, trust or other legal entity may need to provide information such as its principal place of business, local/office address, taxpayer identification number, certified articles of incorporation, government-issued business license/ a partnership agreement, or a trust agreement and resolutions that name the persons authorized to give us instructions regarding the accounts. Additional information, such as net worth, annual income, occupation, employment information, investment experience and objectives, and risk tolerance may also be required.

Under certain circumstances, we may become obligated to disclose this information pursuant to applicable laws, rules, or regulations, but the information will otherwise be held in confidence in accordance with our privacy policy.

Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. Each time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity.

If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge. We proudly support all efforts to protect and maintain the security of our customers and our country.