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Disclosure Regarding Investments and Investment-related Services

Investment products and services are not bank deposits or obligations of, or guaranteed or endorsed or otherwise supported by, Salem Trust Company, its parent company or any affiliate, are not federally insured or guaranteed by the United States Government, Federal Deposit Insurance Corporation, Federal Reserve Board or any other governmental agency, and are subject to investment risks, including possible loss of the principal amount invested.

Investments are:

As a rule, whatever is fluid, soft and yielding will overcome whatever is rigid and hard. This is another paradox: What is soft is strong.

- Lao Tzu