Use of these websites is intended for financial professionals and generally not for use with the public. The information is not intended as, nor should it be construed as, legal, tax, or investment advice. Luma Financial Technologies does not offer investment products to individual investors. With respect to any investment product, investors should carefully review the relevant offering material, including the section(s) regarding risks, and consult with a qualified financial advisor prior to investing. Users of this website agree that the information contained herein will not be the primary basis of any investment decisions and that this website does not contain an exhaustive list of all risks related to the financial products discussed herein. Additional information regarding market-linked CDs and associated risks can be found at www.FINRA.org and http://www.sec.gov/answers/equitylinkedcds.htm.