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Steuben Financial Services, Inc., an insurance agency, is a wholly owned consolidated subsidiary of Steuben Trust Company.

Insurance policies are obligations of the insurers that issue the policies. Steuben Financial Services, Inc. is licensed to sell insurance in New York State and acts as agent for the issuing insurers.

Not insured by FDIC or any other Federal Government Agency and are not deposits, or guaranteed by the bank or any of its affiliates and are subject to investment risk including loss of principal and may go down in value.