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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. IBC Bank and IBC Investment Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using IBC Investment Services and may also be employees of IBC Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of IBC Bank or IBC Investment Services. This site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Alabama, Arkansas, Arizona, California, Colorado, Delaware, Florida, Georgia, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Virginia and Washington.
Securities and insurance offered through LPL or its affiliates are:
Not Insured by FDIC or
Any Other Government Agency
Not Bank Guaranteed Not Bank Deposits or Obligations May Lose Value

IBC Bank Investment - Corporate Bonds
Corporate Bonds
Used to raise capital for companies to run their business. They tend to be riskier because they are backed by the full faith and credit of the individual corporations that issue them and not by the government. They also pay a higher rate than government bonds of comparable maturities. The market value of corporate bonds will fluctuate, and if the bond is sold prior to maturity, the investor's yield may differ from the advertised yield. 
IBC Bank Investment - Mortgage Backed Securities
Mortgage Backed Securities
A security created by pooling individual mortgages and selling it as individual bond securities. Principal and interest are proportionately paid back to the investor. Typically carry a higher risk than other bonds with the amount of principal payments being influenced by refinancing of mortgages.
IBC Bank Investment - Municipal Bonds
Municipal Bonds
State and local governments issue municipal bonds to pay for projects such as turnpikes, dams or highways. They typically pay interest free from federal and/or state income tax and receive lower interest rates than others.
IBC Bank Investment - U.S. Government Securities
U.S. Government Securities
These are issued by the U.S. Department of Treasury and obligate the government to pay the bondholder interest during designated time frames and repay the principal at the stated maturity date.
IBC Bank Investment - Agency Bonds
Agency Bonds
Issued by United States agencies and are generally thought to be safe investments in terms of default risk. Examples of well-known agencies that issue bonds are Federal Home Loan Mortgage Corporation (FHLMC or "Freddie Mac"), Federal National Mortgage Association (FNMA or "Fannie Mae"), and the Federal Home Loan Bank.
IBC Bank Investment - International Bonds
International Bonds
Include debt issued by foreign governments and international corporations. In addition to credit and interest rate risk, these securities also have market value risk due to fluctuations in foreign exchange rates.
*International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors.