The issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. 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.

Issues listed above are for illustrative purposes only and are subject to change and availability.  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, market risk and liquidity risk.  While a high rating by a ratings agency does not guarantee the safety of principal invested or afford assurances of coupon payments, it does provide an independent opinion. 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.  Incapital 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).