Thank you to both Karen and elcinoca for the two references. What I am getting from each is that we have to say the products are:
1. Not FDIC insured
2. Not deposits of the bank, nor guaranteed by the bank
3. Subject to investment risks, including loss of principal
However, I could not find where it gives the definition of what makes a radio ad. Does anyone know if there is a specific amount of time that makes a radio spot an advertisement? For example, are spots less than 30 seconds considered an Ad? What if it is 31 seconds, 32 seconds, 33 seconds, etc? What is the cut off point that makes it become an Ad?
Thanks again for any help given!
How long a minute is depends on what side of the bathroom door you're on.