General and Product-specific Disclosures

Prior to entering into a swap with SG, we require that you read certain industry-standard disclosure documents prepared by the International Swaps and Derivatives Association, Inc. ("ISDA"). These disclosure documents, both general and product-specific can be found at:

- http://www2.isda.org/functional-areas/legal-and-documentation/disclosures/

If the contemplated swap includes features of more than one type of product, then you must read each product-specific disclosure that is relevant to such swap. The disclosure documents are intentionally broad, and in some cases may cover product types or features that are not relevant to your swap. Furthermore, please note that the disclosure documents may be updated from time to time and you are advised to check the ISDA website periodically to ensure that you have read the most recent versions.