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Risk Disclosure

Effective Date: September 26, 2026 • Published by Evercrest Private Bank & Trust Legal & Compliance

## Understanding Market Risk

All investments carry varying degrees of economic and liquidity risk. Past historical yields do not guarantee identical future returns.

Clients should review each portfolio's risk rating before committing capital.

Corporate Information

Evercrest Bancorp & Trust National Association • Reg: OCC Charter #24819 / FDIC Cert #38491 • 350 Park Avenue, 24th Floor, New York, United States