Note

1. Interest Disclaimer 
Funds held within the Car Service Savings Plan do not accrue interest. The plan is not classified as a financial or investment product, and no returns are guaranteed.

2. Utilization of Savings 
Savings accumulated under this plan may be applied toward vehicle servicing costs at a future date, subject to the sole discretion of the client. The client retains full authority to determine the timing and manner of such utilization.