This calculator is provided by Ohio Valley Community Credit Union (OVCCU). And is intended solely for general information and educational purposes. It is not intended in any way as financial, securities, insurance, tax or legal advice or services, or as a solicitation for any financial, securities, insurance, tax or legal product or service. The results of using this calculator may not be applicable or accurate with regard to your individual circumstances and cannot be relied upon to avoid penalties imposed by tax or other authorities. You should not take any action on the basis of the information provided through this calculator. Please consult with your financial, securities, insurance, tax and/or legal advisors for advice regarding your personal circumstances. You could lose money or fail to achieve your objectives by relying on this calculator.

Please note that the computations performed by this calculator are based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculator is intended to allow you to test those assumptions, since variations in assumptions, such as to future interest rates, investment returns or inflation, may significantly affect the results produced by the calculator. In entering your assumptions, you should keep in mind that higher rates of return generally involve a higher degree of risk, including the risk of loss of principal invested. Actual results or inputs may be higher or lower than the inputs used or results displayed in hypothetical calculations, and are likely to vary over time. In addition, the calculator does not take into account all of the factors that may be relevant to your decision-making.

Please also note that other information incorporated in the calculator or displayed in connection with the calculator may be based on historical or current data, but is not guaranteed to be accurate, complete or timely. Moreover, past performance does not indicate future results.

THIS FINANCIAL CALCULATOR IS PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF SUITABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. OVCCU assumes no duty to you by making this calculator available and shall not be responsible for any errors, omissions or defects in this calculator or the consequences of any decisions or actions taken in reliance upon this calculator. OVCCU shall not be liable under any circumstances for lost profits, lost business, loss of business reputation, or any direct, indirect, incidental, special, punitive or consequential damages of any kind, whether foreseeable or not, that result in any way from, or relate in any way to, your use, non-use or reliance on this calculator. Your sole and exclusive remedy for any claim related to this calculator is to stop using it.