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Disclosures

INVESTMENT AND INSURANCE PRODUCTS AND SERVICES INCLUDING ANNUITIES ARE:
NOT A DEPOSIT ● NOT FDIC INSURED ● MAY LOSE VALUE ● NOT BANK GUARANTEED ● NOT
INSURED BY ANY FEDERAL GOVERNMENT AGENCY.

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax
or legal advice. Each individual's tax and financial situation is unique. You
should consult your tax and/or legal advisor for advice and information
concerning your particular situation.

For U.S. Bancorp Investments:

Investment and insurance products and services including annuities are available
through U.S. Bancorp Investments, the marketing name for U.S. Bancorp
Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage
subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

For U.S. Bank:

U.S. Bank is not responsible for and does not guarantee the products, services
or performance of U.S. Bancorp Investments, Inc.


Mortgage, home equity and credit products are offered by U.S. Bank National
Association. Deposit products are offered by U.S. Bank National Association.
Member FDIC.

The creditor and issuer of U.S. Bank credit cards is U.S. Bank National
Association, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard
International Inc. and American Express. American Express is a federally
registered service mark of American Express.

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Companies™ is a trademark of Fortune Media IP Limited and are used under
license. Fortune and Fortune Media IP Limited are not affiliated with, and do
not endorse the products or services of, US Bancorp.

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