|The information contained herein is provided in accordance with your bank's executed Client Plan Administration Delivery System Agreement (CPADS).
CPADS is intended to facilitate the effective management of your retirement programs administered by NFP Executive Benefits and Renaissance Bank Advisors, LLC. The CPADS
system contains confidential and private non-public client information. The unauthorized sharing of this proprietary system, its code, or information or data describing the
system, creates a competitive disadvantage for NFP Executive Benefits and Renaissance Bank Advisors, LLC. The information accessed through CPADS is for your internal use only
and should be accessed only by the financial institution's authorized individuals in accordance with CPADS privacy covenants.
|The information contained in CPADS reports is provided at your request and at your direction as the plan administrator. This material is being provided to you by
NFP Executive Benefits, Inc. and Renaissance Bank Advisors, LLC, as applicable, strictly in their collective capacity as administration and benefits consulting firms.
NFP Executive Benefits, Inc. and Renaissance Bank Advisors, LLC do not provide legal, tax and/or accounting consulting and/or advice. The information contained herein
is based on data you may have provided, our interpretation of the existing Internal Revenue Code, and the application of relevant statutes, regulations, court rulings,
and familiarity with this material as it currently exists. Based on the current legal and accounting complexity along with the changing statutory and regulatory environment,
we strongly recommend you consult with, and seek the advice of, your legal and/or accounting advisor(s) regarding this material. Services are provided by NFP Executive
Benefits, Inc. through agreement with Renaissance Bank Advisors, LLC as applicable. Renaissance Bank Advisors, LLC is a wholly owned subsidiary of
NFP, New York, New York, 10173.|
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the use of any Internet-based system, the user should take proper precautions when downloading files or accessing the Internet. Renaissance Bank Advisors shall not be
liable for special, indirect, incidental, or consequential damages resulting from user's use of the "CPADS" system or from the negligence of Renaissance Bank Advisors,
LLC or user organization. RENAISSANCE BANK ADVISORS MAKES NO OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR