Union Bank and UnionBanc Investment Services are relying on information provided by Investor Guide, an independent entity not affiliated with or endorsed by Union Bank or Investment Services. Customer acknowledges that investment education derived from that Web site is designed for general informational and comparison purposes and should not be relied upon for specific investment advice or trading purposes. Union Bank and UnionBanc Investment Services assume no responsibility for, and make no representation or warranty as to, the suitability and accuracy of that Web site information. Union Bank and UnionBanc Investment Services neither review nor endorse the validity of such information nor the sources upon which it is based or derived. Union Bank and UnionBanc Investment Services have not conducted an independent verification of accuracy and completeness of such information and assume no duty for substantiating or verifying such information. Client agrees to release and hold Union Bank and UnionBanc Investment Services harmless from any claims or adverse consequences resulting from errors or omissions attributable to inaccurate or incomplete information. Union Bank and UnionBanc Investment Services are not responsible for any direct or incidental loss incurred by a customer's reliance upon this information.