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              Consumer and commercial banking products and services are offered through Smart Wise Financial USA. Member FDIC and Equal Housing Lender. All loans are subject to credit approval. Trust services and investment products are offered by Smart Wise Financial Private Wealth Management. Smart Wise Financial Private Wealth Management includes Smart Wise Financial National Trust Company, Smart Wise Financial Delaware Trust Company and Smart Wise Financial Private Wealth Advisors, Inc. (a registered investment adviser) all of which are wholly owned subsidiaries of Smart Wise Financial Private Wealth Group, LLC — and the private banking division of Smart Wise Financial USA. Trust services and investment products are not FDIC insured, not deposits or obligations of, or guaranteed by, Smart Wise Financial USA or Smart Wise Financial National Trust Company, and are subject to investment risk, including loss of principal.