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COMPLIANCE / N.A.S.D. Not a bank product - Not a tradable security Since only the original bond owner, (whose name is printed on the face of every bond), or the co-owner or the beneficiary, can receive money from the Treasury upon the surrender [cashing] of a savings bond, there is no secondary market for savings bonds. Because a savings bond cannot be traded between two parties on the open market, it is not considered a marketable security. Why Savings Bonds are irrelevant when talking compliance A Savings Bond is actually a promissory note, (or a loan), exchanged for cash between an individual and the U. S. Treasury Department. A savings bond is sold by the Treasury to an individual. If the person who owns any savings bond wishes to receive the cash value, it can only be done by redeeming [surrendering] it to the Treasury Department. It has no value to any party unless their name is on the bond, or they are an heir to the estate of a bond holder [and then, they can only redeem the bond from the Treasury Department]. While many persons purchase and redeem savings bond in a bank, savings bonds ARE NOT a bank product. In reality, the bank is operating merely as an intermediary to facilitate the transaction between the two parties. The SBPlanner.com system provides general, educational information - that the Financial Planner/Advisor or Insurance Producer - delivers to any savings bond owner about his/her own collection of savings bonds. The savings bond owner will use the information received to make an informed, intelligent decision about retaining any bond, or "turning it in" to receive their original principal and the accumulated interest earned up to that date. The materials available from the SBPlanner.com system do not offer any advice or guidance concerning taxation issues. Contacting Us If you have any questions or would like to learn more about our compliance approval process and guarantee please contact our Compliance Manager, Matthew O'Such at 800-717-2663 or by email here.       - © copyright SavingsBonds.com Inc., UIS Inc. January 2001, 2002 -