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ONE Financial is registered with the Ontario Securities Commission as an Exempt Market Dealer.

All ONE Financial Corporation (hereafter "ONE Financial" in this legal disclaimer) or related company products are sold by prospectus, offering memorandum, or information statement (hereafter "Offering Documents" in this legal disclaimer), and this website is only for general information and education highlights and does not provide general or specific advice. All ONE Financial or related company products are only offered for sale in Canada, and only in those jurisdictions where they may be lawfully offered for sale and therein only by persons permitted to sell such securities. The information on this website does not constitute an offer to sell or a solicitation to buy the products referred to herein. This communication is not intended to be, and should not be construed as, an advertisement within the meaning of applicable securities legislation. It is essential that you read all applicable Offering Documents carefully and obtain full professional advice before investing because the Offering Documents contain important information on matters such as investment objectives and strategies, risks of investing and product fees, charges and expenses.

When considering or purchasing our products, you should be aware, among other factors, that: (1) investments in some of our products are not guaranteed; (2) unit values and investment returns will change frequently; (3) past markets and investment performance may not be repeated; and (4) investment managers/advisors and principals may change from time to time. Products mentioned on this website include a certain level of risk, and for this reason should be considered only by persons capable of appreciating the nature of the risks which are inherent to structured products.

Historic returns, backtesting and pro-forma statistics on this website are illustrative and provided for information only, and are based on information that ONE Financial believes to be fair, although ONE Financial cannot guarantee the accuracy of such backtesting and simulations. Past performance is no guarantee of future returns. The information relating to the portfolio managers given herein have been compiled by ONE Financial for indicative purposes only. The description of some of the portfolio managers' strategies are designed to provide information relating to a component of the underlying asset of a financial product structured by ONE Financial. It should be read in conjunction with the documentation released by the portfolio manager and eventually approved by its regulators. Such documentation may be obtained directly from the portfolio managers.

This website is not intended to, nor does it, provide any general or specific individual advice, including without limitation, investment, financial, legal, accounting or tax advice. It is essential that you consult with your own advisors in respect of any such matters. Without limiting the foregoing, it is essential that prospective investors consult with their financial advisors to determine if the products referred to on this website may lawfully be sold in their jurisdiction of residence.

The contents of this website are provided for your information and education only. While ONE Financial, or any of its related businesses, subsidiaries, or successors, or their respective directors, officers, employees, agents, and assigns may endeavour to ensure that the content of this website is accurate, complete and timely, the above mentioned parties make no warranty (express or implied) as to the accuracy, completeness or timeliness of the information.

ONE Financial is not responsible for any errors or omissions in, and is not responsible for any lost profits, lost opportunities, liabilities, obligations, damages, or any other consequence whatsoever that may be incurred from the use of, the material on this website or other websites linked to it whether provided by ONE Financial or from other sources. ONE Financial reserves the right to change the content of this website without notice. There are links from this website to other websites provided by other companies. ONE Financial is not responsible for the opinions and content at the other sites, or the use of such content, or any consequence from such content or use.

Certain names, logos, designs, titles, words or phrases on this Site may constitute trademarks, service marks or trade names of ONE Financial Corporation. The display of trademark herein does not imply that a license of any kind has been granted and unauthorized use or exploitation of such marks and names is strictly prohibited.

ONE Financial Profit Lock-In (& Cashflow) Notes Tax Considerations

With respect to only the CashFlow Notes (PLICN), in all cases the Capital Cash Flow Amount will be treated as return of capital for tax purposes, in that the adjusted cost base to a Holder of a Deposit Note of a particular Series will be reduced by any Capital Cash Flow Amount paid to such Holder. Please see the "Certain Canadian Income Tax Considerations" section in the relevant Information Statement.

ONE Financial Income Trust LEADERS™ Class, Series 3

¹Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

² For the ONE Financial Profit Lock-In (& Cashflow) Notes, 100% of the amount by which the highest NAV of the portfolio the returns of the note are linked to (and for the Cashflow Notes, the highest NAV net of all dividends and other distributions paid by any of the Note's Underlying Investments, if any) during the term of the Notes exceeds the principal amount is locked-in and guaranteed to be paid by Maturity. The initial NAV is set at $9.305, which is less than the $10 principal amount. As a result, there may be no return above the minimum guaranteed amount ($10) at maturity even though the underlying investments have appreciated. However, any appreciation above the principal amount is automatically locked in and guaranteed in addition to the principal. To benefit from the principal and highest NAV guarantees, investors must hold the Notes to maturity.

³ The portfolio may also include investments in notional bonds, and is subject to "Dynamic Asset Allocation" such that the performance of the Notes will not track the performance of the relevant Underlying Investment basket - see Master Information Statement (available on request).

An investment in any of the Notes may not be suitable for all investors. Important details about each of the Notes are described in each product's Master Information Statement and the relevant Information Statement Supplement (the "Offering Documents"); investors should obtain and read carefully a copy of the relevant Offering Documents (available on request) prior to investing, paying particular attention to the risks associated with an investment in the relevant product. In the event of any discrepancy between the information described herein and the relevant Offering Documents, the terms of the relevant Offering Documents shall govern. This document has been prepared by ONE Financial based on information that ONE Financial believes to be fair but cannot be guaranteed as to its accuracy, and BNP Paribas shall bear no responsibility for the contents hereof. This document is for information purposes only, and does not constitute an offer to sell or a solicitation to purchase. 100% of investors' principal is guaranteed to be repaid only for Notes purchased at the Issue Price on the Issue Date and held until the Maturity Date, and there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic, and may significantly underperform, returns in an otherwise identical portfolio consisting entirely of Underlying Investments invested according to the allocations described herein. No assurance can be given as to the tax treatment of investments in any of the Notes. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. ONE Financial, the ONE Financial logo, "Profit Lock-In", "Profit Lock-In & Cashflow", "Guaranteed Linked Notes", "Upside Only", "We believe in better ideas" and "wealth through innovation" are trademarks of ONE Financial Corporation. BNP Paribas and the BNP Paribas logo are registered trademarks owned by BNP Paribas S.A. and used under license. ONE Financial Corporation ©2006 All rights reserved.

ONE Financial G7 Global Index Class, Series 3

¹Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

² For the ONE Financial Profit Lock-In (& Cashflow) Notes, 100% of the amount by which the highest NAV of the portfolio the returns of the note are linked to (and for the Cashflow Notes, the highest NAV net of all dividends and other distributions paid by any of the Note's Underlying Investments, if any) during the term of the Notes exceeds the principal amount is locked-in and guaranteed to be paid by Maturity. The initial NAV is set at $9.305, which is less than the $10 principal amount. As a result, there may be no return above the minimum guaranteed amount ($10) at maturity even though the underlying investments have appreciated. However, any appreciation above the principal amount is automatically locked in and guaranteed in addition to the principal. To benefit from the principal and highest NAV guarantees, investors must hold the Notes to maturity.

³ The portfolio may also include investments in notional bonds, and is subject to "Dynamic Asset Allocation" such that the performance of the Notes will not track the performance of the relevant Underlying Investment basket - see Master Information Statement (available on request).

An investment in any of the Notes may not be suitable for all investors. Important details about each of the Notes are described in each product's Master Information Statement and the relevant Information Statement Supplement (the "Offering Documents"); investors should obtain and read carefully a copy of the relevant Offering Documents (available on request) prior to investing, paying particular attention to the risks associated with an investment in the relevant product. In the event of any discrepancy between the information described herein and the relevant Offering Documents, the terms of the relevant Offering Documents shall govern. This document has been prepared by ONE Financial based on information that ONE Financial believes to be fair but cannot be guaranteed as to its accuracy, and BNP Paribas shall bear no responsibility for the contents hereof. This document is for information purposes only, and does not constitute an offer to sell or a solicitation to purchase. 100% of investors' principal is guaranteed to be repaid only for Notes purchased at the Issue Price on the Issue Date and held until the Maturity Date, and there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic, and may significantly underperform, returns in an otherwise identical portfolio consisting entirely of Underlying Investments invested according to the allocations described herein. No assurance can be given as to the tax treatment of investments in any of the Notes. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. ONE Financial, the ONE Financial logo, "Profit Lock-In", "Profit Lock-In & Cashflow", "Guaranteed Linked Notes", "Upside Only", "We believe in better ideas" and "wealth through innovation" are trademarks of ONE Financial Corporation. BNP Paribas and the BNP Paribas logo are registered trademarks owned by BNP Paribas S.A. and used under license. ONE Financial Corporation ©2006 All rights reserved.

ONE Financial Income Trust LEADERS™ Class, Series 2

¹Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

² For the ONE Financial Profit Lock-In (& Cashflow) Notes, 100% of the amount by which the highest NAV of the portfolio the returns of the note are linked to (and for the Cashflow Notes, the highest NAV net of all dividends and other distributions paid by any of the Note's Underlying Investments, if any) during the term of the Notes exceeds the principal amount is locked-in and guaranteed to be paid by Maturity. The initial NAV is set at $9.305, which is less than the $10 principal amount. As a result, there may be no return above the minimum guaranteed amount ($10) at maturity even though the underlying investments have appreciated. However, any appreciation above the principal amount is automatically locked in and guaranteed in addition to the principal. To benefit from the principal and highest NAV guarantees, investors must hold the Notes to maturity.

³ The portfolio may also include investments in notional bonds, and is subject to "Dynamic Asset Allocation" such that the performance of the Notes will not track the performance of the relevant Underlying Investment basket - see Master Information Statement (available on request).

An investment in any of the Notes may not be suitable for all investors. Important details about each of the Notes are described in each product's Master Information Statement and the relevant Information Statement Supplement (the "Offering Documents"); investors should obtain and read carefully a copy of the relevant Offering Documents (available on request) prior to investing, paying particular attention to the risks associated with an investment in the relevant product. In the event of any discrepancy between the information described herein and the relevant Offering Documents, the terms of the relevant Offering Documents shall govern. This document has been prepared by ONE Financial based on information that ONE Financial believes to be fair but cannot be guaranteed as to its accuracy, and BNP Paribas shall bear no responsibility for the contents hereof. This document is for information purposes only, and does not constitute an offer to sell or a solicitation to purchase. 100% of investors' principal is guaranteed to be repaid only for Notes purchased at the Issue Price on the Issue Date and held until the Maturity Date, and there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic, and may significantly underperform, returns in an otherwise identical portfolio consisting entirely of Underlying Investments invested according to the allocations described herein. No assurance can be given as to the tax treatment of investments in any of the Notes. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. ONE Financial, the ONE Financial logo, "Profit Lock-In", "Profit Lock-In & Cashflow", "Guaranteed Linked Notes", "Upside Only", "We believe in better ideas" and "wealth through innovation" are trademarks of ONE Financial Corporation. BNP Paribas and the BNP Paribas logo are registered trademarks owned by BNP Paribas S.A. and used under license. ONE Financial Corporation ©2006 All rights reserved.

ONE Financial G7 Global Index Class, Series 2

¹Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

² For the ONE Financial Profit Lock-In (& Cashflow) Notes, 100% of the amount by which the highest NAV of the portfolio the returns of the note are linked to (and for the Cashflow Notes, the highest NAV net of all dividends and other distributions paid by any of the Note's Underlying Investments, if any) during the term of the Notes exceeds the principal amount is locked-in and guaranteed to be paid by Maturity. The initial NAV is set at $9.305, which is less than the $10 principal amount. As a result, there may be no return above the minimum guaranteed amount ($10) at maturity even though the underlying investments have appreciated. However, any appreciation above the principal amount is automatically locked in and guaranteed in addition to the principal. To benefit from the principal and highest NAV guarantees, investors must hold the Notes to maturity.

³ The portfolio may also include investments in notional bonds, and is subject to "Dynamic Asset Allocation" such that the performance of the Notes will not track the performance of the relevant Underlying Investment basket - see Master Information Statement (available on request).

An investment in any of the Notes may not be suitable for all investors. Important details about each of the Notes are described in each product's Master Information Statement and the relevant Information Statement Supplement (the "Offering Documents"); investors should obtain and read carefully a copy of the relevant Offering Documents (available on request) prior to investing, paying particular attention to the risks associated with an investment in the relevant product. In the event of any discrepancy between the information described herein and the relevant Offering Documents, the terms of the relevant Offering Documents shall govern. This document has been prepared by ONE Financial based on information that ONE Financial believes to be fair but cannot be guaranteed as to its accuracy, and BNP Paribas shall bear no responsibility for the contents hereof. This document is for information purposes only, and does not constitute an offer to sell or a solicitation to purchase. 100% of investors' principal is guaranteed to be repaid only for Notes purchased at the Issue Price on the Issue Date and held until the Maturity Date, and there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic, and may significantly underperform, returns in an otherwise identical portfolio consisting entirely of Underlying Investments invested according to the allocations described herein. No assurance can be given as to the tax treatment of investments in any of the Notes. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. ONE Financial, the ONE Financial logo, "Profit Lock-In", "Profit Lock-In & Cashflow", "Guaranteed Linked Notes", "Upside Only", "We believe in better ideas" and "wealth through innovation" are trademarks of ONE Financial Corporation. BNP Paribas and the BNP Paribas logo are registered trademarks owned by BNP Paribas S.A. and used under license. ONE Financial Corporation ©2006 All rights reserved.

ONE Financial Gold Price Class, Series 2

¹Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

² For the ONE Financial Profit Lock-In (& Cashflow) Notes, 100% of the amount by which the highest NAV of the portfolio the returns of the note are linked to (and for the Cashflow Notes, the highest NAV net of all dividends and other distributions paid by any of the Note's Underlying Investments, if any) during the term of the Notes exceeds the principal amount is locked-in and guaranteed to be paid by Maturity. The initial NAV is set at $9.305, which is less than the $10 principal amount. As a result, there may be no return above the minimum guaranteed amount ($10) at maturity even though the underlying investments have appreciated. However, any appreciation above the principal amount is automatically locked in and guaranteed in addition to the principal. To benefit from the principal and highest NAV guarantees, investors must hold the Notes to maturity.

³ The portfolio may also include investments in notional bonds, and is subject to "Dynamic Asset Allocation" such that the performance of the Notes will not track the performance of the relevant Underlying Investment basket - see Master Information Statement (available on request).

An investment in any of the Notes may not be suitable for all investors. Important details about each of the Notes are described in each product's Master Information Statement and the relevant Information Statement Supplement (the "Offering Documents"); investors should obtain and read carefully a copy of the relevant Offering Documents (available on request) prior to investing, paying particular attention to the risks associated with an investment in the relevant product. In the event of any discrepancy between the information described herein and the relevant Offering Documents, the terms of the relevant Offering Documents shall govern. This document has been prepared by ONE Financial based on information that ONE Financial believes to be fair but cannot be guaranteed as to its accuracy, and BNP Paribas shall bear no responsibility for the contents hereof. This document is for information purposes only, and does not constitute an offer to sell or a solicitation to purchase. 100% of investors' principal is guaranteed to be repaid only for Notes purchased at the Issue Price on the Issue Date and held until the Maturity Date, and there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic, and may significantly underperform, returns in an otherwise identical portfolio consisting entirely of Underlying Investments invested according to the allocations described herein. No assurance can be given as to the tax treatment of investments in any of the Notes. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. ONE Financial, the ONE Financial logo, "Profit Lock-In", "Profit Lock-In & Cashflow", "Guaranteed Linked Notes", "Upside Only", "We believe in better ideas" and "wealth through innovation" are trademarks of ONE Financial Corporation. BNP Paribas and the BNP Paribas logo are registered trademarks owned by BNP Paribas S.A. and used under license. ONE Financial Corporation ©2006 All rights reserved.

ONE Financial Income Trust LEADERS™ Class, Series 1

¹Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

² For the ONE Financial Profit Lock-In (& Cashflow) Notes, 100% of the amount by which the highest NAV of the portfolio the returns of the note are linked to (and for the Cashflow Notes, the highest NAV net of all dividends and other distributions paid by any of the Note's Underlying Investments, if any) during the term of the Notes exceeds the principal amount is locked-in and guaranteed to be paid by Maturity.

³ The portfolio may also include investments in notional bonds, and is subject to "Dynamic Asset Allocation" such that the performance of the Notes will not track the performance of the relevant Underlying Investment basket - see Master Information Statement (available on request).

An investment in any of the Notes may not be suitable for all investors. Important details about each of the Notes are described in each product's Master Information Statement and the relevant Information Statement Supplement (the "Offering Documents"); investors should obtain and read carefully a copy of the relevant Offering Documents (available on request) prior to investing, paying particular attention to the risks associated with an investment in the relevant product. In the event of any discrepancy between the information described herein and the relevant Offering Documents, the terms of the relevant Offering Documents shall govern. This document has been prepared by ONE Financial based on information that ONE Financial believes to be fair but cannot be guaranteed as to its accuracy, and BNP Paribas shall bear no responsibility for the contents hereof. This document is for information purposes only, and does not constitute an offer to sell or a solicitation to purchase. 100% of investors' principal is guaranteed to be repaid only for Notes purchased at the Issue Price on the Issue Date and held until the Maturity Date, and there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic, and may significantly underperform, returns in an otherwise identical portfolio consisting entirely of Underlying Investments invested according to the allocations described herein. No assurance can be given as to the tax treatment of investments in any of the Notes. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. ONE Financial, the ONE Financial logo, "Profit Lock-In", "Profit Lock-In & Cashflow", "Guaranteed Linked Notes", "Upside Only", "We believe in better ideas" and "wealth through innovation" are trademarks of ONE Financial Corporation. BNP Paribas and the BNP Paribas logo are registered trademarks owned by BNP Paribas S.A. and used under license. ONE Financial Corporation ©2006 All rights reserved.

ONE Financial Canadian Dividend LEADERS™ Class, Series 1

¹Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

² For the ONE Financial Profit Lock-In (& Cashflow) Notes, 100% of the amount by which the highest NAV of the portfolio the returns of the note are linked to (and for the Cashflow Notes, the highest NAV net of all dividends and other distributions paid by any of the Note's Underlying Investments, if any) during the term of the Notes exceeds the principal amount is locked-in and guaranteed to be paid by Maturity.

³ The portfolio may also include investments in notional bonds, and is subject to "Dynamic Asset Allocation" such that the performance of the Notes will not track the performance of the relevant Underlying Investment basket - see Master Information Statement (available on request).

An investment in any of the Notes may not be suitable for all investors. Important details about each of the Notes are described in each product's Master Information Statement and the relevant Information Statement Supplement (the "Offering Documents"); investors should obtain and read carefully a copy of the relevant Offering Documents (available on request) prior to investing, paying particular attention to the risks associated with an investment in the relevant product. In the event of any discrepancy between the information described herein and the relevant Offering Documents, the terms of the relevant Offering Documents shall govern. This document has been prepared by ONE Financial based on information that ONE Financial believes to be fair but cannot be guaranteed as to its accuracy, and BNP Paribas shall bear no responsibility for the contents hereof. This document is for information purposes only, and does not constitute an offer to sell or a solicitation to purchase. 100% of investors' principal is guaranteed to be repaid only for Notes purchased at the Issue Price on the Issue Date and held until the Maturity Date, and there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic, and may significantly underperform, returns in an otherwise identical portfolio consisting entirely of Underlying Investments invested according to the allocations described herein. No assurance can be given as to the tax treatment of investments in any of the Notes. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. ONE Financial, the ONE Financial logo, "Profit Lock-In", "Profit Lock-In & Cashflow", "Guaranteed Linked Notes", "Upside Only", "We believe in better ideas" and "wealth through innovation" are trademarks of ONE Financial Corporation. BNP Paribas and the BNP Paribas logo are registered trademarks owned by BNP Paribas S.A. and used under license. ONE Financial Corporation ©2006 All rights reserved.

ONE Financial Global Dividend LEADERS™ Class, Series 1

¹Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

² For the ONE Financial Profit Lock-In (& Cashflow) Notes, 100% of the amount by which the highest NAV of the portfolio the returns of the note are linked to (and for the Cashflow Notes, the highest NAV net of all dividends and other distributions paid by any of the Note's Underlying Investments, if any) during the term of the Notes exceeds the principal amount is locked-in and guaranteed to be paid by Maturity.

³ The portfolio may also include investments in notional bonds, and is subject to "Dynamic Asset Allocation" such that the performance of the Notes will not track the performance of the relevant Underlying Investment basket - see Master Information Statement (available on request).

An investment in any of the Notes may not be suitable for all investors. Important details about each of the Notes are described in each product's Master Information Statement and the relevant Information Statement Supplement (the "Offering Documents"); investors should obtain and read carefully a copy of the relevant Offering Documents (available on request) prior to investing, paying particular attention to the risks associated with an investment in the relevant product. In the event of any discrepancy between the information described herein and the relevant Offering Documents, the terms of the relevant Offering Documents shall govern. This document has been prepared by ONE Financial based on information that ONE Financial believes to be fair but cannot be guaranteed as to its accuracy, and BNP Paribas shall bear no responsibility for the contents hereof. This document is for information purposes only, and does not constitute an offer to sell or a solicitation to purchase. 100% of investors' principal is guaranteed to be repaid only for Notes purchased at the Issue Price on the Issue Date and held until the Maturity Date, and there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic, and may significantly underperform, returns in an otherwise identical portfolio consisting entirely of Underlying Investments invested according to the allocations described herein. No assurance can be given as to the tax treatment of investments in any of the Notes. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. ONE Financial, the ONE Financial logo, "Profit Lock-In", "Profit Lock-In & Cashflow", "Guaranteed Linked Notes", "Upside Only", "We believe in better ideas" and "wealth through innovation" are trademarks of ONE Financial Corporation. BNP Paribas and the BNP Paribas logo are registered trademarks owned by BNP Paribas S.A. and used under license. ONE Financial Corporation ©2006 All rights reserved.

ONE Financial G7 Global Index Class, Series 1

¹Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

² For the ONE Financial Profit Lock-In (& Cashflow) Notes, 100% of the amount by which the highest NAV of the portfolio the returns of the note are linked to (and for the Cashflow Notes, the highest NAV net of all dividends and other distributions paid by any of the Note's Underlying Investments, if any) during the term of the Notes exceeds the principal amount is locked-in and guaranteed to be paid by Maturity.

³ The portfolio may also include investments in notional bonds, and is subject to "Dynamic Asset Allocation" such that the performance of the Notes will not track the performance of the relevant Underlying Investment basket - see Master Information Statement (available on request).

An investment in any of the Notes may not be suitable for all investors. Important details about each of the Notes are described in each product's Master Information Statement and the relevant Information Statement Supplement (the "Offering Documents"); investors should obtain and read carefully a copy of the relevant Offering Documents (available on request) prior to investing, paying particular attention to the risks associated with an investment in the relevant product. In the event of any discrepancy between the information described herein and the relevant Offering Documents, the terms of the relevant Offering Documents shall govern. This document has been prepared by ONE Financial based on information that ONE Financial believes to be fair but cannot be guaranteed as to its accuracy, and BNP Paribas shall bear no responsibility for the contents hereof. This document is for information purposes only, and does not constitute an offer to sell or a solicitation to purchase. 100% of investors' principal is guaranteed to be repaid only for Notes purchased at the Issue Price on the Issue Date and held until the Maturity Date, and there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic, and may significantly underperform, returns in an otherwise identical portfolio consisting entirely of Underlying Investments invested according to the allocations described herein. No assurance can be given as to the tax treatment of investments in any of the Notes. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. ONE Financial, the ONE Financial logo, "Profit Lock-In", "Profit Lock-In & Cashflow", "Guaranteed Linked Notes", "Upside Only", "We believe in better ideas" and "wealth through innovation" are trademarks of ONE Financial Corporation. BNP Paribas and the BNP Paribas logo are registered trademarks owned by BNP Paribas S.A. and used under license. ONE Financial Corporation ©2006 All rights reserved.

ONE Financial Gold Price Class, Series 1

¹Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

² For the ONE Financial Profit Lock-In (& Cashflow) Notes, 100% of the amount by which the highest NAV of the portfolio the returns of the note are linked to (and for the Cashflow Notes, the highest NAV net of all dividends and other distributions paid by any of the Note's Underlying Investments, if any) during the term of the Notes exceeds the principal amount is locked-in and guaranteed to be paid by Maturity.

³ The portfolio may also include investments in notional bonds, and is subject to "Dynamic Asset Allocation" such that the performance of the Notes will not track the performance of the relevant Underlying Investment basket - see Master Information Statement (available on request).

An investment in any of the Notes may not be suitable for all investors. Important details about each of the Notes are described in each product's Master Information Statement and the relevant Information Statement Supplement (the "Offering Documents"); investors should obtain and read carefully a copy of the relevant Offering Documents (available on request) prior to investing, paying particular attention to the risks associated with an investment in the relevant product. In the event of any discrepancy between the information described herein and the relevant Offering Documents, the terms of the relevant Offering Documents shall govern. This document has been prepared by ONE Financial based on information that ONE Financial believes to be fair but cannot be guaranteed as to its accuracy, and BNP Paribas shall bear no responsibility for the contents hereof. This document is for information purposes only, and does not constitute an offer to sell or a solicitation to purchase. 100% of investors' principal is guaranteed to be repaid only for Notes purchased at the Issue Price on the Issue Date and held until the Maturity Date, and there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic, and may significantly underperform, returns in an otherwise identical portfolio consisting entirely of Underlying Investments invested according to the allocations described herein. No assurance can be given as to the tax treatment of investments in any of the Notes. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. ONE Financial, the ONE Financial logo, "Profit Lock-In", "Profit Lock-In & Cashflow", "Guaranteed Linked Notes", "Upside Only", "We believe in better ideas" and "wealth through innovation" are trademarks of ONE Financial Corporation. BNP Paribas and the BNP Paribas logo are registered trademarks owned by BNP Paribas S.A. and used under license. ONE Financial Corporation ©2006 All rights reserved.

ONE Financial CASH+ Breakfast Notes™

¹Based on rates as of Oct. 17, 2006 annual distributions could range from 7.5% (2X exposure) to 0% (zero exposure).

²Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

³100% of principal is guaranteed to be paid by Maturity for investors who hold the Notes until Maturity, however investors may receive more or less than 100% of the original principal amount at Maturity.

†Sources: U.S. Census Bureau, Food and Agriculture Organization of the United Nations, U.S. Energy Policy Act of 2005.

‡Based on the trailing six-month returns of all principal protected notes in globefund.com's Alternative Strategies category as at March 30th, 2008.

This document contains information that ONE Financial Corporation believes to be correct at the time of production. An investment in the Notes may not be suitable for all investors. Important information regarding these Principal Protected Notes is contained in the Information Statement; investors should obtain and carefully read a copy (available on request) prior to investing, paying particular attention to the associated risks.

Please see the Information Statement for further details regarding basket historical returns; past performance is not indicative of future returns. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. In the event of any discrepancy between the information described herein and the Information Statement, the terms of the Information Statement govern. 100% of principal is guaranteed at maturity only for products purchased at their issue price and held to maturity, and there is no assurance that any additional returns will be generated. BNP Paribas is a trademark owned by BNP Paribas S.A. ONE Financial, the ONE Financial logo, "Wealth through innovation" and "We believe in better ideas" are trademarks of ONE Financial Corporation.

ONE Financial CASH+ Breakfast Notes™, Series 2

*Based on trailing 6-month returns of all principal protected notes in globefund.com's Alternative Strategies category, as at December 31, 2007.

¹Based on rates as of December 31, 2007 annual distributions could range from 8.12% (2X exposure) to 0% (zero exposure).

²Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

³100% of principal is guaranteed to be paid by Maturity for investors who hold the Notes until Maturity, however investors may receive more or less than 100% of the original principal amount at Maturity.

†Sources: U.S. Census Bureau, Food and Agriculture Organization of the United Nations, U.S. Energy Policy Act of 2005.

This document contains information that ONE Financial Corporation believes to be correct at the time of production. An investment in the ONE Financial CASH+ Breakfast Notes, Series 2 (the "Notes") may not be suitable for all investors. Important information regarding these Principal Protected Notes is contained in the Notes' Information Statement; investors should obtain and carefully read a copy (available on request) prior to investing, paying particular attention to the associated risks.

Please see the Notes' Information Statement for further details regarding basket historical returns; past performance is not indicative of future returns. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. In the event of any discrepancy between the information described herein and the Information Statement, the terms of the Information Statement govern. 100% of principal is guaranteed at maturity only for products purchased at their issue price and held to maturity, and there is no assurance that any additional returns will be generated."Standard and Poor's®", "S&P®" and "S&P GSCI™" are trademarks of The McGraw-Hill Companies, Inc. The Deposit Notes are not sponsored, endorsed, sold or promoted by Standard and Poor's and Standard and Poor's makes no representation regarding the advisability of investing in the Deposit Notes. BNP Paribas is a trademark owned by BNP Paribas S.A. ONE Financial, the ONE Financial logo, "Wealth through innovation" and "We believe in better ideas" are trademarks of ONE Financial Corporation.

ONE Financial CASH+ Breakfast Notes™, Series 3

*Based on trailing 6-month returns of all principal protected notes in globefund.com's Alternative Strategies category, as at December 31, 2007.

¹Based on rates as of February 15, 2008 annual distributions could range from 7.02% (2X exposure) to 0% (zero exposure).

²Notes are Cashable in a weekly secondary market at the relevant Secondary Market Price, subject to all terms and conditions as described in the Master Information Statement.

³100% of principal is guaranteed to be paid by Maturity for investors who hold the Notes until Maturity, however investors may receive more or less than 100% of the original principal amount at Maturity.

†Sources: U.S. Census Bureau, Food and Agriculture Organization of the United Nations, U.S. Energy Policy Act of 2005.

This document contains information that ONE Financial Corporation believes to be correct at the time of production. An investment in the ONE Financial CASH+ Breakfast Notes, Series 2 (the "Notes") may not be suitable for all investors. Important information regarding these Principal Protected Notes is contained in the Notes' Information Statement; investors should obtain and carefully read a copy (available on request) prior to investing, paying particular attention to the associated risks.

Please see the Notes' Information Statement for further details regarding basket historical returns; past performance is not indicative of future returns. Commissions, trailing commissions, management fees and expenses all may be associated with these investments. In the event of any discrepancy between the information described herein and the Information Statement, the terms of the Information Statement govern. 100% of principal is guaranteed at maturity only for products purchased at their issue price and held to maturity, and there is no assurance that any additional returns will be generated."Standard and Poor's®", "S&P®" and "S&P GSCI™" are trademarks of The McGraw-Hill Companies, Inc. The Deposit Notes are not sponsored, endorsed, sold or promoted by Standard and Poor's and Standard and Poor's makes no representation regarding the advisability of investing in the Deposit Notes.

ONE Financial Variable Step-Up Bonds, Series 1

For more information about this investment product please contact your investment advisor, or contact us directly.

The Bonds mature on December 31, 2012, and offer the potential for a total of 15 coupon payments, payable every six months, beginning on December 31, 2005 and ending on the maturity date. Coupon payment amounts are based on the performance of a notional basket of stocks, and, accordingly, investors may not receive any coupon payments whatsoever other than a guaranteed minimum amount of 1.5% on each of the first two coupon payment dates (for a combined total of 3%). Please refer to the Bonds' Information Statement (available on request) for details regarding the coupon calculation methodology and payment of interest, the notional basket of stocks, repayment of principal, and certain risk factors.

Although 100% of the principal amount of an investment in the Bonds is guaranteed at maturity, there is no assurance that any additional returns will be generated. The Coupon may be less than the performance of the Basket during each Coupon Calculation Period and may even be nil as a result of the cap of the Maximum Coupon Amount on the maximum percentage increase in the Closing Price of any Share during a Coupon Calculation Period notwithstanding an overall positive performance of the Basket during the Coupon Calculation Period and due to the fact that there is no floor in the decrease in the Closing Price of any Share when calculating the Percentage Gain of the Basket in a Coupon Calculation Period.

The information on this website has been prepared for informational purposes only and does not constitute an offer to sell or a solicitation to purchase. An investment in the Bonds may not be suitable for all investors and is subject to certain risks which investors should consider before investing. Important information regarding the Bonds is contained in the Information Statement. All capitalized terms below if not defined on this website are defined in the Information Statement. Investors should obtain and carefully read a copy of the Information Statement (available on request) prior to investing, paying particular attention to the risks associated with an investment in the Bonds. In the event of any discrepancy between the information herein and the Information Statement, the terms of the Information Statement govern.

Past performance is not indicative of future returns. Simulated and pro-forma returns are illustrative, are provided for information purposes only and are based on information that is believed to be fair but cannot be guaranteed as to its accuracy or completeness. Investors should consult to the extent necessary, their own independent legal, tax, financial and related professionals as to the merits of this investment strategy to ensure that any decision they make is suitable for them or their company. No assurance can be given as to the tax treatment of investments in the Bonds. The Bonds are not qualified by prospectus or registered under any securities laws. Commissions, trailing commissions, management fees and expenses all may be associated with this investment.

ONE Financial BNP Paribas Step-Over Bonds, Series 3

†The Index Level is calculated as the starting Index Level (100) adjusted for the average return of each of the shares in the index linked to the Bonds, with each share's return capped at 5%, since immediately following the Bond's inception date.

For more information about this investment product please contact your investment advisor, or contact us directly.

Important information regarding the Bonds is contained in the Information Statement. All capitalized terms below if not defined on this website are defined in the Information Statement. Investors should obtain and carefully read a copy of the Information Statement (available on request) prior to investing, paying particular attention to the risks associated with an investment in the Bonds. In the event of any discrepancy between the information herein and the Information Statement, the terms of the Information Statement govern.

This document has been prepared for informational purposes only and does not constitute an offer to sell or a solicitation to purchase. An investment in the Bonds may not be suitable for all investors and is subject to certain risks which investors should consider before investing. Past performance is not indicative of future returns. Simulated and pro-forma returns are illustrative, are provided for information purposes only and are based on information that is believed to be fair but cannot be guaranteed as to its accuracy or completeness. Investors should consult to the extent necessary, their own independent legal, tax, financial and related professionals as to the merits of this investment strategy to ensure that any decision they make is suitable for them or their company. Commissions, trailing commissions, management fees and expenses all may be associated with this investment. Although 100% of the principal amount of an investment in the Bonds is guaranteed at maturity, there is no assurance that any additional returns will be generated. The Semi-Annual Coupon Amount may be less than the performance of the Basket during each Coupon Calculation Period and may even be nil as a result of the cap of 5% on the maximum increase in the Closing Price of any Share during a Coupon Calculation Period notwithstanding an overall positive performance of the Basket during the Coupon Calculation Period and due to the fact that there is no floor in the decrease in the Closing Price of any Share when calculating the Percentage Gain of the Basket in a Coupon Calculation Period. No assurance can be given as to the tax treatment of investments in the Bonds. The Bonds are not qualified by prospectus or registered under any securities laws.

The Bonds are not sponsored, endorsed, sold, or promoted by Dow Jones, and Dow Jones makes no representation or warranty, express or implied, to the owners of the Bonds or any member of the public regarding the advisability of investing in securities generally or in the Bonds generally. Dow Jones' only relationship to the Licensee is the licensing of certain trademarks, trade names and service marks of Dow Jones and of the Dow Jones Global Titans 50 Index, which is determined, composed and calculated by Dow Jones without regard to the Bank or the Bonds. Dow Jones has no obligation to take the needs of the Bank or the owners of the Bonds into consideration in determining, composing or calculating Dow Jones Global Titans 50 Index. Dow Jones is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of the Bonds to be issued or in the determination or calculation of the equation by which the Bonds are to be converted into cash. Dow Jones has no obligation or liability in connection with the administration, marketing, or trading of the Bonds. Dow Jones does not guarantee the accuracy and/or the completeness of the Dow Jones Global Titans 50 Index or any data included therein. Dow Jones makes no warranty, express or implied, as to the results to be obtained by the bank, owners of the Bonds, or any other person or entity from the use of the Dow Jones Global Titans 50 index or any data included therein. Dow Jones makes no express or implied warranties, and expressly disclaims all warranties, or merchantability or fitness for a particular purpose or use with respect to the Dow Jones Global Titans 50 index or any data included therein. Without limiting any of the foregoing, in no event shall Dow Jones have any liability for any lost profits or indirect, punitive, special or consequential damages or losses, even if notified of the possibility thereof. There are no third party beneficiaries of any agreements or arrangements between Dow Jones and the Bank or the Agent.

ONE Financial BNP Paribas Step-Over Bonds, Series 2

†The Index Level is calculated as the starting Index Level (100) adjusted for the average return of each of the shares in the index linked to the Bonds, with each share's return capped at 5%, since immediately following the Bond's inception date.

For more information about this investment product please contact your investment advisor, or contact us directly.

Important information regarding the Bonds is contained in the Information Statement. All capitalized terms below if not defined on this website are defined in the Information Statement. Investors should obtain and carefully read a copy of the Information Statement (available on request) prior to investing, paying particular attention to the risks associated with an investment in the Bonds. In the event of any discrepancy between the information herein and the Information Statement, the terms of the Information Statement govern.

This document has been prepared for informational purposes only and does not constitute an offer to sell or a solicitation to purchase. An investment in the Bonds may not be suitable for all investors and is subject to certain risks which investors should consider before investing. Past performance is not indicative of future returns. Simulated and pro-forma returns are illustrative, are provided for information purposes only and are based on information that is believed to be fair but cannot be guaranteed as to its accuracy or completeness. Investors should consult to the extent necessary, their own independent legal, tax, financial and related professionals as to the merits of this investment strategy to ensure that any decision they make is suitable for them or their company. Commissions, trailing commissions, management fees and expenses all may be associated with this investment.

Although 100% of the principal amount of an investment in the Bonds is guaranteed at maturity, there is no assurance that any additional returns will be generated. The Semi-Annual Coupon Amount may be less than the performance of the Basket during the each Coupon Calculation Period and may even be nil as a result of the cap of 5% on the maximum increase in the Closing Price of any Share during a Coupon Calculation Period notwithstanding an overall positive performance of the Basket during that Coupon Calculation Period and due to the fact that there is no floor in the decrease in the Closing Price of any Share when calculating the Percentage Gain of the Basket in a Coupon Calculation Period. No assurance can be given as to the tax treatment of investments in the Bonds. The Bonds are not qualified by prospectus or registered under any securities laws.

The Bonds are not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation or warranty, express or implied, to the owners of the Bonds or any member of the public regarding the advisability of investing in securities generally or in the Bonds particularly. Dow Jones' only relationship to the Licensee is the licensing of certain trademarks, trade names and service marks of Dow Jones and of the Dow Jones Global Titans 50 Index, which is determined, composed and calculated by Dow Jones without regard to the Bank or the Bonds. Dow Jones has no obligation to take the needs of the Bank or the owners of the Bonds into consideration in determining, composing or calculating Dow Jones Global Titans 50 Index. Dow Jones is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of the Bonds to be issued or in the determination or calculation of the equation by which the Bonds are to be converted into cash. Dow Jones has no obligation or liability in connection with the administration, marketing or trading of the Bonds. Dow Jones does not guarantee the accuracy and/or the completeness of the Dow Jones Global Titans 50 Index or any data included therein and Dow Jones shall have no liability for any errors, omissions, or interruptions therein. Dow Jones makes no warranty, express or implied, as to results to be obtained by the bank, owners of the bonds, or any other person or entity from the use of the Dow Jones Global Titans 50 Index or any data included therein. Dow Jones makes no express or implied warranties, and expressly disclaims all warranties, of merchantability or fitness for a particular purpose or use with respect to the Dow Jones Global Titans 50 Index or any data included therein. Without limiting any of the foregoing, in no event shall Dow Jones have any liability for any lost profits or indirect, punitive, special or consequential damages or losses, even if notified of the possibility thereof. There are no third party beneficiaries of any agreements or arrangements between Dow Jones and the Bank or the Agent.

ONE Financial BNP Paribas Step-Over Bonds, Series 1

For more information about this investment product please contact your investment advisor, or contact us directly.

†The Index Level is calculated as the starting Index Level (100) adjusted for the average return of each of the shares in the index linked to the Bonds, with each share's return capped at 5%, since immediately following the Bond's Inception Date.

Important information regarding the Bonds is contained in the Information Statement. All capitalized terms below if not defined on this website are defined in the Information Statement. Investors should obtain and carefully read a copy of the Information Statement (available on request) prior to investing, paying particular attention to the risks associated with an investment in the Bonds. In the event of any discrepancy between the information herein and the Information Statement, the terms of the Information Statement govern.

This document has been prepared for informational purposes only and does not constitute an offer to sell or a solicitation to purchase. An investment in the Bonds may not be suitable for all investors and is subject to certain risks which investors should consider before investing. Past performance is not indicative of future returns. Simulated and pro-forma returns are illustrative, are provided for information purposes only and are based on information that is believed to be fair but cannot be guaranteed as to its accuracy or completeness. Investors should consult to the extent necessary, their own independent legal, tax, financial and related professionals as to the merits of this investment strategy to ensure that any decision they make is suitable for them or their company. Commissions, trailing commissions, management fees and expenses all may be associated with this investment. Although 100% of the principal amount of an investment in the Bonds is guaranteed at maturity, there is no assurance that any additional returns will be generated. The Semi-Annual Coupon Amount may be less than the performance of the Basket during the each Coupon Calculation Period and may even be nil as a result of the cap of 5% on the maximum increase in the Closing Price of any Share during a Coupon Calculation Period notwithstanding an overall positive performance of the Basket during that Coupon Calculation Period and due to the fact that there is no floor in the decrease in the Closing Price of any Share when calculating the Percentage Gain of the Basket in a Coupon Calculation Period. No assurance can be given as to the tax treatment of investments in the Bonds. The Bonds are not qualified by prospectus or registered under any securities laws.

The Bonds are not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation or warranty, express or implied, to the owners of the Bonds or any member of the public regarding the advisability of investing in securities generally or in the Bonds particularly. Dow Jones' only relationship to the Licensee is the licensing of certain trademarks, trade names and service marks of Dow Jones and of the Dow Jones Global Titans 50 Index, which is determined, composed and calculated by Dow Jones without regard to the Bank or the Bonds. Dow Jones has no obligation to take the needs of the Bank or the owners of the Bonds into consideration in determining, composing or calculating Dow Jones Global Titans 50 Index. Dow Jones is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of the Bonds to be issued or in the determination or calculation of the equation by which the Bonds are to be converted into cash. Dow Jones has no obligation or liability in connection with the administration, marketing or trading of the Bonds. Dow Jones does not guarantee the accuracy and/or the completeness of the Dow Jones Global Titans 50 Index or any data included therein and Dow Jones shall have no liability for any errors, omissions, or interruptions therein. Dow Jones makes no warranty, express or implied, as to results to be obtained by the bank, owners of the bonds, or any other person or entity from the use of the Dow Jones Global Titans 50 Index or any data included therein. Dow Jones makes no express or implied warranties, and expressly disclaims all warranties, of merchantability or fitness for a particular purpose or use with respect to the Dow Jones Global Titans 50 Index or any data included therein. Without limiting any of the foregoing, in no event shall Dow Jones have any liability for any lost profits or indirect, punitive, special or consequential damages or losses, even if notified of the possibility thereof. There are no third party beneficiaries of any agreements or arrangements between Dow Jones and the Bank or the Agent.

ONE Financial MSCI Hedge Invest Index Notes, Series 2

For more information about this investment product please contact your investment advisor, or contact us directly.

Important information regarding the Notes is contained in the Information Statement. Investors should obtain and carefully read a copy of the Information Statement (available on request and available elsewhere on this website) prior to investing, paying particular attention to the risks associated with an investment in the Notes. In the event of any discrepancy between the information herein and the Information Statement, the terms of the Information Statement govern.

This document has been prepared for informational purposes only and does not constitute an offer to sell or a solicitation to purchase. An investment in the Notes may not be suitable for all investors and is subject to certain risks which investors should consider before investing. Past performance is not indicative of future returns. Simulated and pro-forma returns are illustrative, are provided for information purposes only and are based on information that is believed to be fair but cannot be guaranteed as to its accuracy or completeness. Investors should consult to the extent necessary, their own independent legal, tax, financial and related professionals as to the merits of this investment strategy to ensure that any decision they make is suitable for them or their company. Commissions, trailing commissions, management fees and expenses all may be associated with this investment. Although 100% of the principal amount of an investment in the Notes is guaranteed at maturity, there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic returns in the MSCI® Hedge Invest Index. No assurance can be given as to the tax treatment of investments in the Notes.

The MSCI Indices are the exclusive property of MSCI. MSCI and MSCI index names are service marks of MSCI or its affiliates and have been licensed for use for certain purposes by SG. The Notes referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Notes. The Information Statement contains a more detailed description of the limited relationship MSCI has with SG and any related Notes. No purchaser, seller or holder of this product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this product without first contacting MSCI to determine whether MSCI's permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.

ONE Financial MSCI Hedge Invest Index Notes, Series 1

For more information about this investment product please contact your investment advisor, or contact us directly.

Important information regarding the Notes is contained in the Information Statement. Investors should obtain and carefully read a copy of the Information Statement (available on request and available elsewhere on this website) prior to investing, paying particular attention to the risks associated with an investment in the Notes. In the event of any discrepancy between the information herein and the Information Statement, the terms of the Information Statement govern.

This document has been prepared for informational purposes only and does not constitute an offer to sell or a solicitation to purchase. An investment in the Notes may not be suitable for all investors and is subject to certain risks which investors should consider before investing. Past performance is not indicative of future returns. Simulated and pro-forma returns are illustrative, are provided for information purposes only and are based on information that is believed to be fair but cannot be guaranteed as to its accuracy or completeness. Investors should consult to the extent necessary, their own independent legal, tax, financial and related professionals as to the merits of this investment strategy to ensure that any decision they make is suitable for them or their company. Commissions, trailing commissions, management fees and expenses all may be associated with this investment. Although 110% of the principal amount of an investment in the Notes is guaranteed at maturity, there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic returns in the MSCI® Hedge Invest Index. No assurance can be given as to the tax treatment of investments in the Notes.

The MSCI Indexes are the exclusive property of MSCI. MSCI and the MSCI index names are servicemarks of MSCI or its affiliates and have been licensed for use for certain purposes by SG. The financial securities referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such financial securities. The Information Statement contains a more detailed description of the limited relationship MSCI has with SG and any related financial securities. No purchaser, seller or holder of this product, or any other person or entity, should use or refer to any MSCI trade name, trademark or servicemark to sponsor, endorse, market or promote this product without first contacting MSCI to determine whether MSCI's permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.

ONE Financial All-Star Portfolio Notes, Series 3

For more information about this investment product please contact your investment advisor, or contact us directly.

The notes are generally suitable for investors who desire preservation of capital and exposure to a diversified portfolio of experienced money managers. The notes are not intended for that portion of an investor's portfolio where a regular income stream is required.

Please remember that important information about this product is contained in its information statement. Please obtain a copy of the information statement and read it carefully before investing, paying particular attention to the risk factors disclosed in the information statement. The content on this website has been prepared for informational purposes only, and does not constitute an offer to sell or a solicitation to purchase. This product may not be suitable for all investors. Indicated historical rates of returns are pro-forma, and are not to be considered as indications of future performance. Although the principal amount of an investment in the Notes is guaranteed at maturity, there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic returns in a portfolio consisting entirely of mutual funds invested according to the allocation described in this product section of the website. Commissions, trailing commissions, management fees and other fees and expenses may all be associated with this product.

ONE Financial All-Star Portfolio Notes, Series 2

For more information about this investment product please contact your investment advisor, or contact us directly.

The notes are generally suitable for investors who desire preservation of capital with a minimum maturity coupon payment, and exposure to a diversified portfolio of experienced money managers. The notes are not intended for that portion of an investor's portfolio where a regular income stream is required.

Please remember that important information about this product is contained in its information statement. Please obtain a copy of the information statement and read it carefully before investing, paying particular attention to the risk factors disclosed in the information statement. The content on this website has been prepared for informational purposes only, and does not constitute an offer to sell or a solicitation to purchase. This product may not be suitable for all investors. Indicated historical rates of returns are pro-forma, and are not to be considered as indications of future performance. Although the principal amount of an investment in the Notes is guaranteed at maturity, there is no assurance that any additional returns will be generated above the guaranteed minimum coupon of 7%. Returns on the Notes may not mimic returns in a portfolio consisting entirely of mutual funds invested according to the allocation described in this product section of the website. Commissions, trailing commissions, management fees and other fees and expenses may all be associated with this product.

ONE Financial All-Star Portfolio Notes, Series 1

The notes are generally suitable for investors who desire preservation of capital, and exposure to a diversified portfolio of experienced money managers. The notes are not intended for that portion of an investor's portfolio where a regular income stream is required.

Please remember that important information about this product is contained in its information statement. Please obtain a copy of the information statement and read it carefully before investing, paying particular attention to the risk factors disclosed in the information statement. The content on this website has been prepared for informational purposes only, and does not constitute an offer to sell or a solicitation to purchase. This product may not be suitable for all investors. Indicated historical rates of returns are pro-forma, and are not to be considered as indications of future performance. Although the principal amount of an investment in the Notes is guaranteed at maturity, there is no assurance that any additional returns will be generated. Returns on the Notes may not mimic returns in a portfolio consisting entirely of mutual funds invested according to the allocation described in this product section of the website. Commissions, trailing commissions, management fees and other fees and expenses may all be associated with this product.

ONE Financial Guaranteed Absolute Return Notes

The notes are generally suitable for investors who desire preservation of capital, and stable medium-term growth independent of the stock markets' direction. The notes' low correlation to traditional stock, bond, and mutual fund investments provide for a lower risk portfolio through diversification. The notes are not intended for that portion of an investor's portfolio where a regular income stream is required.

Please remember that important information about this product is contained in its information statement. Please obtain a copy of the information statement and read it carefully before investing, paying particular attention to the risk factors disclosed in the information statement. This product may not be suitable for all investors. Indicated historical rates of returns are pro-forma, and are not to be considered as indications of future performance. Commissions, trailing commissions, management fees and other fees and expenses may all be associated with this product.