On this page of StockholderLetter.com we present the latest annual shareholder letter from DOW INC. — ticker symbol DOW. Reading current and past DOW letters to shareholders can bring important insights into the investment thesis.

Dear Shareholders, Reflecting on the past year, I want to highlight several key accomplishments and strategic initiatives that have strengthened our foundation for long-term growth. We re managing the near-term with discipline, and we have a strong playbook for higher shareholder returns across the cycle. We continue to prioritize innovation, customer-centricity, inclusion and sustainability across our businesses, positioning Dow for future success. By investing in our advantaged asset footprint and expanding our portfolio in high-growth markets, we are better equipped to meet evolving customer needs and capitalize on new opportunities. And, our talented team s dedication and resilience have been instrumental in executing our strategy and advancing our ambition. Maintaining the Financial Flexibility We Have Built Financial discipline and flexibility serve as the foundation for Dow s resilience and longterm success. By maintaining our balanced approach to capital allocation, proactively managing debt and ensuring ample liquidity, we re navigating an unprecedented industry downturn and geopolitical uncertainties in a way that positions our Company to win when conditions improve. Below are several examples of the measures we continue to take, including actions to deliver more than $6.5 billion in cash support and cost savings. We re managing Cash Support Actions the near-term Issued two bonds at attractive spreads for a total of $2.4 billion, providing added flexibility while maintaining our commitment to an investment-grade credit profile. with discipline, Finalized two non-core divestitures for a total of approximately $250 million at attractive operating EBITDA multiples of approximately 10x each. and we have a strong playbook for higher Received a judgment ruling, awarding Dow additional compensation of approximately $1.2 billion from the resolution for damages related to our jointly-owned ethylene asset with NOVA. returns across the Announced in mid-2025 that Dow would implement a 50% dividend reduction. This decision was not taken lightly, as we understand the importance our shareholders place on the dividend. We carefully considered this on top of the financial impacts that we modeled. Our dividend remains a key element of Dow s investment thesis and represents an attractive yield for shareholders. cycle. We continue Cost Savings Actions to prioritize Progressed our targeted cost savings program, which will deliver at least $1 billion by the end of 2026, including more than $400 million in 2025, ahead of our initial target of $300 million of in-year savings. shareholder innovation, customercentricity, inclusion and sustainability across our Reduced our CapEx spending by $1 billion in 2025, compared to our initial target of $3.5 billion. This was largely due to our decision to delay our Alberta project until market conditions improve. Growth Enablers Completed the second phase of our strategic partnership with Macquarie Asset Management, receiving approximately $3 billion in total cash proceeds. The new entity Diamond Infrastructure Solutions is already delivering growth, including recently announced agreements with several new and existing customers. businesses, Delivered deferred revenue from advance payments for low-carbon solutions and other long-term supply agreements in the second half of the year. positioning Dow Shut down more than 20 assets globally that sat high on the cost curve since the start of the macroeconomic downturn. for future success. 2 Announced the shutdown of three upstream assets across each of our operating segments in response to the ongoing structural cost challenges in Europe. Each asset represents a meaningful portion of our regional capacity, which is either not fully integrated, resulting in excess merchant sale exposure, or is high on our cost curve, where we have better options to supply derivative demand and optimize margins. 2025 | Dow Annual Report
Focused on Attractive Market Verticals 2025 We remain focused on growing Dow s share in markets where we anticipate demand will continue to outpace GDP. For example, in Packaging & Specialty Plastics, we completed the start-up of our most recent Poly-7 polyethylene unit in Freeport, Texas. Designed for lower cost with improved efficiency and flexibility, the world-class unit supports customer-driven demand in specialty packaging, health and hygiene, and industrial and consumer packaging applications. PERFORMANCE HIGHLIGHTS KEY FINANCIALS: $ 40B UL[ ZHSLZ Additionally, in Dow Industrial Solutions, the completion of our new alkoxylation unit in Seadrift, Texas, will support growth in attractive end markets such as home care, pharma and energy. $(2.4)B And, we re transforming our Performance Materials & Coatings segment through downstream silicones capacity expansions, which support high-value applications in end markets such as infrastructure, electronics, mobility and consumer. UL[ PUJVTL SVZZ This year we also finalized a long-term commercial agreement with a major consumer brand owner to supply low-carbon solutions, aiming to reduce several million metric tons of GHG emissions over the next decade. We also launched a Carbon Footprint Ledger in 2025, which helps to track and report the footprint of products, enabling Dow to offer low-carbon solutions to meet growing customer and consumer demands for more sustainable products. The carbon footprint ledger gives our customers the assurance they need to support their product features. Driven to Outperform With nearly 130 years of materials science expertise, Dow is among a distinct group of companies that has consistently demonstrated focus and resilience through each industry cycle. Our long-standing legacy is a testament to our unwavering commitment to safety, reliability, respect for people and innovating with customers. We pride ourselves on building a high-performing, inclusive culture that benefits from different perspectives and a dedication to excellence. We remain a recognized leader, earning a place for the third consecutive year by Great Place To Work as one of the World s Best WorkplacesTM in 2025. Looking ahead, Dow is well prepared to address industry challenges and adapt to evolving market dynamics. We re making meaningful changes now to ensure we set the competitive standard, strengthen our position with customers, deliver value for shareholders and continue to be a workplace we can all be proud of. We appreciate your ownership and support as we advance these accomplishments and work toward building a simplified and more agile organization that leverages technology, streamlines processes, and modernizes how we serve customers to ensure continued success. $ 0.4B VWLYH[PUN ,)0;1 $1.5B PU KP]PKLUKZ YL[\YULK [V ZOHYLOVSKLYZ DELIVERING CASH SUPPORT AND OPERATIONAL IMPROVEMENTS: 7YVNYLZZPUN H[ SLHZ[ 9LK\JLK *HW,_ I` $1B $1B PU HUU\HSPaLK JVZ[ YLK\J[PVUZ ]LYZ\Z V\Y PUP[PHS [HYNL[ VM ) 9LJLP]LK *VTWSL[LK UVU JVYL KP]LZ[P[\YLZ MVY $3B MVY Z[YH[LNPJ PUMYHZ[Y\J[\YL HZZL[ WHY[ULYZOPW $250 MM Best regards, H[ _ T\S[PWSLZ Jim Fitterling *OHPY HUK *OPLM ,_LJ\[P]L 6 JLY +V^ 0UJ ,_LJ\[LK H [V[HS VM $2.4B PU IVUK PZZ\HUJLZ H[ H[[YHJ[P]L ZWYLHKZ 9LJLP]LK Q\KNTLU[ Y\SPUN VM $1.2B MYVT 56=( SP[PNH[PVU 5VU .((7 TLHZ\YL -VY KL UP[PVUZ HUK YLJVUJPSPH[PVU [V [OL TVZ[ KPYLJ[S` JVTWHYHISL < : .((7 TLHZ\YL ZLL Z\WWSLTLU[HS PUMVYTH[PVU PU [OL (WWLUKP_ HUK SVJH[LK H[ PU]LZ[VYZ KV^ JVT \UKLY -PUHUJPHS 9LWVY[PUN :LL [OL (WWLUKP_ MVY H M\SS ZL[ VM UHUJPHS KL UP[PVUZ 1 2025 | Dow Annual Report 3
Financial Highlights Net Sales Operating EBIT1 (dollars in millions) (dollars in millions) Cash Provided by Operating Activities Continuing Operations (dollars in millions) $39,968 2025 $42,964 2024 $44,622 2023 2025 $422 2024 2023 2025 $2,588 $2,778 $1,062 $2,903 2024 $5,164 2023 2025 2024 2023 ($2,444) $1,201 $660 Earnings (Loss) per Common Share Diluted ($3.70) $1.57 $0.82 Operating EPS1 ($0.94) $1.71 $2.24 Free Cash Flow1 ($1,417) ($37) $2,808 $1,490 $2,460 $2,597 In millions, except per share amounts Net Income (Loss) Shareholder Remuneration 2025 Sales by Operating Segment 2025 Sales by Geography (dollars in millions) (dollars in millions) $8,134 Performance Materials & Coatings $19,970 Packaging & Specialty Plastics $7,219 Asia Paci c $39,968 Europe, Middle East, Africa and India $39,968 $11,163 $701 Corporate $12,589 Industrial Intermediates & Infrastructure $15,806 U.S. & Canada $4,354 Latin America 5VU .((7 TLHZ\YL -VY KL UP[PVUZ HUK YLJVUJPSPH[PVU [V [OL TVZ[ KPYLJ[S` JVTWHYHISL < : .((7 TLHZ\YL ZLL Z\WWSLTLU[HS PUMVYTH[PVU PU [OL (WWLUKP_ HUK SVJH[LK H[ PU]LZ[VYZ KV^ JVT \UKLY -PUHUJPHS 9LWVY[PUN :LL [OL (WWLUKP_ MVY H M\SS ZL[ VM UHUJPHS KL UP[PVUZ 1 4 2025 | Dow Annual Report
Dow s Leadership Team As of January 2, 2026 Dow leaders leverage their extensive and diverse industry experience to drive productivity and business growth. They underscore ethical decision-making and collaboration, striving to create long-term value for customers, employees and shareholders. The team stands for advancing science and solutions that help address global challenges while maintaining a commitment to safety, reliability and respect for people. Jim Fitterling Karen S. Carter Jeff Tate Andre Argenton Debra Bauler Marco ten Bruggencate Chair & Chief Executive Officer Chief Operating Officer Chief Financial Officer Chief Technology & Sustainability Officer Chief Information & Digital Officer President, Industrial Intermediates & Infrastructure; Europe, Middle East, Africa & India oversight Lisa Bryant Keith Cleason Lauren James Brendy Lange John Sampson Amy Wilson Chief Human Resources Officer President, Packaging & Specialty Plastics; Latin America oversight Senior Vice President, Corporate Development President, Performance Materials & Coatings; Asia Pacific oversight Senior Vice President, Operations, Manufacturing & Engineering General Counsel & Corporate Secretary Dow s Board of Directors As of January 2, 2026 Our Board of Directors focuses on strong governance practices to create and maintain a culture of accountability, transparency and collaboration. With a depth and range of experiences, our Board provides expert guidance on Dow s strategy for profitable growth and contributes to our ability to deliver a sustainable future. Jim Fitterling Richard K. Davis Samuel R. Allen Gaurdie E. Banister Jr. Wesley G. Bush Jerri DeVard Chair & Chief Executive Officer, Dow Inc. Lead Director, Dow Inc. Former Executive Chairman and Chief Executive Officer, U.S. Bancorp Former Chairman and Chief Executive Officer, Deere & Company Former President and Chief Executive Officer, Aera Energy LLC Former Chairman and Chief Executive Officer, Northrop Grumman Corporation Former Executive Vice President and Chief Customer Officer, Office Depot, Inc. Debra L. Dial Jeff M. Fettig Jacqueline C. Hinman Luis Alberto Moreno Jill S. Wyant Daniel W. Yohannes Former Senior Vice President, Chief Accounting Officer and Controller, AT&T Inc. Former Chairman and Chief Executive Officer, Whirlpool Corporation Chief Executive Officer and Director, Atlas Technical Consultants; Former Chairman, President and Chief Executive Officer, CH2M HILL Companies Managing Director, Allen & Co LLC; Former President, Inter-American Development Bank President and Chief Executive Officer, Madison Air Former U.S. Ambassador to the Organisation for Economic Co-operation and Development Board Committees Audit Corporate Governance Environment, Health, Safety & Technology More information on Dow s corporate governance, including Dow s Corporate Governance Guidelines, Board Committee Charters and Code of Conduct, is available at investors.dow.com. Compensation and Leadership Development Committee Chair 2025 | Dow Annual Report 5
 • shareholder letter icon 2/27/2026 Letter Continued (Full PDF)
 • stockholder letter icon 3/3/2023 DOW Stockholder Letter
 • stockholder letter icon 3/1/2024 DOW Stockholder Letter
 • stockholder letter icon 2/28/2025 DOW Stockholder Letter
 • stockholder letter icon 3/3/2025 DOW Stockholder Letter
 • stockholder letter icon More "Rubber & Plastics" Category Stockholder Letters
 • Benford's Law Stocks icon DOW Benford's Law Stock Score = 95


DOW Shareholder/Stockholder Letter Transcript:


Dear Shareholders,
Reflecting on the past year, I want to highlight several key accomplishments and strategic
initiatives that have strengthened our foundation for long-term growth. We   re managing
the near-term with discipline, and we have a strong playbook for higher shareholder
returns across the cycle. We continue to prioritize innovation, customer-centricity,
inclusion and sustainability across our businesses, positioning Dow for future success.
By investing in our advantaged asset footprint and expanding our portfolio in high-growth
markets, we are better equipped to meet evolving customer needs and capitalize on new
opportunities. And, our talented team   s dedication and resilience have been instrumental
in executing our strategy and advancing our ambition.
Maintaining the Financial Flexibility We Have Built
Financial discipline and flexibility serve as the foundation for Dow   s resilience and longterm success. By maintaining our balanced approach to capital allocation, proactively
managing debt and ensuring ample liquidity, we   re navigating an unprecedented industry
downturn and geopolitical uncertainties in a way that positions our Company to win when
conditions improve. Below are several examples of the measures we continue to take,
including actions to deliver more than $6.5 billion in cash support and cost savings.
We   re managing
Cash Support Actions
the near-term
    Issued two bonds at attractive spreads for a total of $2.4 billion, providing added
flexibility while maintaining our commitment to an investment-grade credit profile.
with discipline,
    Finalized two non-core divestitures for a total of approximately $250 million at attractive
operating EBITDA multiples of approximately 10x each.
and we have a
strong playbook
for higher
    Received a judgment ruling, awarding Dow additional compensation of approximately
$1.2 billion from the resolution for damages related to our jointly-owned ethylene asset
with NOVA.
returns across the
    Announced in mid-2025 that Dow would implement a 50% dividend reduction. This
decision was not taken lightly, as we understand the importance our shareholders
place on the dividend. We carefully considered this on top of the financial impacts
that we modeled. Our dividend remains a key element of Dow   s investment thesis and
represents an attractive yield for shareholders.
cycle. We continue
Cost Savings Actions
to prioritize
    Progressed our targeted cost savings program, which will deliver at least $1 billion by
the end of 2026, including more than $400 million in 2025, ahead of our initial target of
$300 million of in-year savings.
shareholder
innovation,
customercentricity,
inclusion and
sustainability
across our
    Reduced our CapEx spending by $1 billion in 2025, compared to our initial target
of $3.5 billion. This was largely due to our decision to delay our Alberta project until
market conditions improve.
Growth Enablers
    Completed the second phase of our strategic partnership with Macquarie Asset
Management, receiving approximately $3 billion in total cash proceeds. The new entity
    Diamond Infrastructure Solutions     is already delivering growth, including recently
announced agreements with several new and existing customers.
businesses,
    Delivered deferred revenue from advance payments for low-carbon solutions and other
long-term supply agreements in the second half of the year.
positioning Dow
    Shut down more than 20 assets globally that sat high on the cost curve since the start
of the macroeconomic downturn.
for future success.
2
    Announced the shutdown of three upstream assets across each of our operating
segments in response to the ongoing structural cost challenges in Europe. Each asset
represents a meaningful portion of our regional capacity, which is either not fully
integrated, resulting in excess merchant sale exposure, or is high on our cost curve,
where we have better options to supply derivative demand and optimize margins.
2025 | Dow Annual Report

Focused on Attractive Market Verticals
2025
We remain focused on growing Dow   s share in markets where we
anticipate demand will continue to outpace GDP.
For example, in Packaging & Specialty Plastics, we completed the
start-up of our most recent Poly-7 polyethylene unit in Freeport,
Texas. Designed for lower cost with improved efficiency and flexibility,
the world-class unit supports customer-driven demand in specialty
packaging, health and hygiene, and industrial and consumer packaging
applications.
PERFORMANCE HIGHLIGHTS
KEY FINANCIALS:
$ 40B
UL[ ZHSLZ
Additionally, in Dow Industrial Solutions, the completion of our new
alkoxylation unit in Seadrift, Texas, will support growth in attractive end
markets such as home care, pharma and energy.
$(2.4)B
And, we   re transforming our Performance Materials & Coatings
segment through downstream silicones capacity expansions, which
support high-value applications in end markets such as infrastructure,
electronics, mobility and consumer.
UL[ PUJVTL  SVZZ 
This year we also finalized a long-term commercial agreement with a
major consumer brand owner to supply low-carbon solutions, aiming
to reduce several million metric tons of GHG emissions over the next
decade. We also launched a Carbon Footprint Ledger in 2025, which
helps to track and report the footprint of products, enabling Dow to
offer low-carbon solutions to meet growing customer and consumer
demands for more sustainable products. The carbon footprint ledger
gives our customers the assurance they need to support their product
features.
Driven to Outperform
With nearly 130 years of materials science expertise, Dow is among a
distinct group of companies that has consistently demonstrated focus
and resilience through each industry cycle.
Our long-standing legacy is a testament to our unwavering commitment
to safety, reliability, respect for people and innovating with customers.
We pride ourselves on building a high-performing, inclusive culture that
benefits from different perspectives and a dedication to excellence.
We remain a recognized leader, earning a place for the third
consecutive year by Great Place To Work   as one of the World   s Best
WorkplacesTM in 2025.
Looking ahead, Dow is well prepared to address industry challenges
and adapt to evolving market dynamics. We   re making meaningful
changes now to ensure we set the competitive standard, strengthen
our position with customers, deliver value for shareholders and
continue to be a workplace we can all be proud of.
We appreciate your ownership and support as we advance these
accomplishments and work toward building a simplified and more agile
organization that leverages technology, streamlines processes, and
modernizes how we serve customers to ensure continued success.
$ 0.4B
VWLYH[PUN ,)0;1
$1.5B
PU KP]PKLUKZ YL[\YULK [V ZOHYLOVSKLYZ
DELIVERING CASH SUPPORT AND
OPERATIONAL IMPROVEMENTS:
7YVNYLZZPUN
H[ SLHZ[
9LK\JLK     
*HW,_ I`
$1B
$1B
PU HUU\HSPaLK
JVZ[ YLK\J[PVUZ
]LYZ\Z V\Y PUP[PHS
[HYNL[ VM    )
9LJLP]LK
*VTWSL[LK
  UVU JVYL
KP]LZ[P[\YLZ MVY

$3B
MVY Z[YH[LNPJ
PUMYHZ[Y\J[\YL HZZL[
WHY[ULYZOPW

$250
MM
Best regards,
H[   _ T\S[PWSLZ
Jim Fitterling
*OHPY HUK *OPLM ,_LJ\[P]L 6  JLY  +V^ 0UJ 
,_LJ\[LK H [V[HS VM
$2.4B
PU IVUK PZZ\HUJLZ
H[ H[[YHJ[P]L ZWYLHKZ
9LJLP]LK
Q\KNTLU[ Y\SPUN VM

$1.2B
MYVT 56=( SP[PNH[PVU
 5VU .((7 TLHZ\YL  -VY KL  UP[PVUZ HUK YLJVUJPSPH[PVU [V [OL TVZ[ KPYLJ[S` JVTWHYHISL < :  .((7
TLHZ\YL  ZLL Z\WWSLTLU[HS PUMVYTH[PVU PU [OL (WWLUKP_ HUK SVJH[LK H[ PU]LZ[VYZ KV^ JVT \UKLY
-PUHUJPHS 9LWVY[PUN  :LL [OL (WWLUKP_ MVY H M\SS ZL[ VM   UHUJPHS KL  UP[PVUZ 
1
2025 | Dow Annual Report
3

Financial Highlights
Net Sales
Operating EBIT1
(dollars in millions)
(dollars in millions)
Cash Provided by Operating
Activities     Continuing Operations
(dollars in millions)
$39,968
2025
$42,964
2024
$44,622
2023
2025 $422
2024
2023
2025
$2,588
$2,778
$1,062
$2,903
2024
$5,164
2023
2025
2024
2023
($2,444)
$1,201
$660
Earnings (Loss) per Common Share     Diluted
($3.70)
$1.57
$0.82
Operating EPS1
($0.94)
$1.71
$2.24
Free Cash Flow1
($1,417)
($37)
$2,808
$1,490
$2,460
$2,597
In millions, except per share amounts
Net Income (Loss)
Shareholder Remuneration
2025 Sales by Operating Segment
2025 Sales by Geography
(dollars in millions)
(dollars in millions)
$8,134
Performance
Materials &
Coatings
$19,970
Packaging &
Specialty Plastics
$7,219
Asia Paci   c
$39,968
Europe, Middle East,
Africa and India
$39,968
$11,163
$701 Corporate
$12,589
Industrial
Intermediates &
Infrastructure
$15,806
U.S. & Canada
$4,354
Latin America
 5VU .((7 TLHZ\YL  -VY KL  UP[PVUZ HUK YLJVUJPSPH[PVU [V [OL TVZ[ KPYLJ[S` JVTWHYHISL < :  .((7 TLHZ\YL  ZLL Z\WWSLTLU[HS PUMVYTH[PVU PU [OL (WWLUKP_ HUK SVJH[LK H[ PU]LZ[VYZ KV^ JVT 
\UKLY -PUHUJPHS 9LWVY[PUN  :LL [OL (WWLUKP_ MVY H M\SS ZL[ VM   UHUJPHS KL  UP[PVUZ 
1
4
2025 | Dow Annual Report

Dow   s Leadership Team
As of January 2, 2026
Dow leaders leverage their extensive and diverse industry experience to drive productivity and business growth. They underscore ethical
decision-making and collaboration, striving to create long-term value for customers, employees and shareholders. The team stands for
advancing science and solutions that help address global challenges while maintaining a commitment to safety, reliability and respect for people.
Jim Fitterling
Karen S. Carter
Jeff Tate
Andre Argenton
Debra Bauler
Marco ten Bruggencate
Chair & Chief Executive
Officer
Chief Operating Officer
Chief Financial Officer
Chief Technology &
Sustainability Officer
Chief Information & Digital
Officer
President, Industrial
Intermediates & Infrastructure;
Europe, Middle East, Africa &
India oversight
Lisa Bryant
Keith Cleason
Lauren James
Brendy Lange
John Sampson
Amy Wilson
Chief Human Resources
Officer
President, Packaging &
Specialty Plastics; Latin
America oversight
Senior Vice President,
Corporate Development
President, Performance
Materials & Coatings; Asia
Pacific oversight
Senior Vice President,
Operations, Manufacturing &
Engineering
General Counsel &
Corporate Secretary
Dow   s Board of Directors
As of January 2, 2026
Our Board of Directors focuses on strong governance practices to create and maintain a culture of accountability, transparency and collaboration.
With a depth and range of experiences, our Board provides expert guidance on Dow   s strategy for profitable growth and contributes to our ability
to deliver a sustainable future.
Jim Fitterling
Richard K. Davis
Samuel R. Allen
Gaurdie E. Banister Jr.
Wesley G. Bush
Jerri DeVard
Chair & Chief Executive
Officer, Dow Inc.
Lead Director, Dow Inc.
Former Executive Chairman
and Chief Executive Officer,
U.S. Bancorp
Former Chairman and
Chief Executive Officer,
Deere & Company
Former President and Chief
Executive Officer, Aera
Energy LLC
Former Chairman and Chief
Executive Officer, Northrop
Grumman Corporation
Former Executive Vice
President and Chief
Customer Officer,
Office Depot, Inc.
Debra L. Dial
Jeff M. Fettig
Jacqueline C. Hinman
Luis Alberto Moreno
Jill S. Wyant
Daniel W. Yohannes
Former Senior Vice
President, Chief Accounting
Officer and Controller,
AT&T Inc.
Former Chairman and Chief
Executive Officer, Whirlpool
Corporation
Chief Executive Officer and
Director, Atlas Technical
Consultants; Former
Chairman, President and
Chief Executive Officer,
CH2M HILL Companies
Managing Director, Allen &
Co LLC; Former President,
Inter-American Development
Bank
President and Chief
Executive Officer,
Madison Air
Former U.S. Ambassador
to the Organisation for
Economic Co-operation and
Development
Board Committees
Audit
Corporate Governance
Environment, Health, Safety & Technology
More information on Dow   s corporate governance, including Dow   s Corporate Governance Guidelines,
Board Committee Charters and Code of Conduct, is available at investors.dow.com.
Compensation and Leadership Development
Committee Chair
2025 | Dow Annual Report
5


shareholder letter icon 2/27/2026 Letter Continued (Full PDF)
 

DOW Stockholder/Shareholder Letter (DOW INC.) | www.StockholderLetter.com
Copyright © 2023 - 2026, All Rights Reserved

Nothing in StockholderLetter.com is intended to be investment advice, nor does it represent the opinion of, counsel from, or recommendations by BNK Invest Inc. or any of its affiliates, subsidiaries or partners. None of the information contained herein constitutes a recommendation that any particular security, portfolio, transaction, or investment strategy is suitable for any specific person. All viewers agree that under no circumstances will BNK Invest, Inc,. its subsidiaries, partners, officers, employees, affiliates, or agents be held liable for any loss or damage caused by your reliance on information obtained. By visiting, using or viewing this site, you agree to the following Full Disclaimer & Terms of Use and Privacy Policy.