Table of Contents
- Site Requirements
- User Content
- Information Made Available through This Site or Third-Party Sites
- Acceptable Use
- Protecting Your Devices and Account
- Warranties; Disclaimers
- No Liability
- System Outages, Slowdowns and Capacity Limitations
- Marks and Content
- Terms Specific to Marcus Personal Loans
- Terms Specific to Marcus Savings
- Terms Specific to Our Credit and Debt Tools
- New Jersey State Disclosure
- Additional Technology
- Severability / No Waiver
- Applicable Law
- Contact Us
"Goldman Sachs", “we,” “us” or “our” means Goldman Sachs Bank USA and its affiliates, agents and assigns worldwide.
"Products” means the Online Savings Accounts and Certificate of Deposit Accounts (each an “Account”), loans, financial education materials and any other products or services provided through the Site.
“Site” means the Marcus by Goldman Sachs website (www.marcus.com) and any associated websites, products, or services.
“You” or “your” means any user of the Site.
When the word “including” or “includes” are used in these Terms they mean “including but not limited to” or “includes but is not limited to”.
By accessing and/or using the Site, you are agreeing to these Terms. These Terms apply to any use by you of the Site. For example, these Terms apply: (1) when you use the Site as a guest, (2) when you register as a user of the Site or (3) when you sign up for one or more Products. If you sign up for a Product, you may be required to acknowledge and agree to be bound by additional terms and policies for that Product.
You agree to provide accurate, current and complete information when you register as a user of the Site and when you sign up for a Product. You further agree to promptly update User Content when it changes.
We reserve the right, at any time without notice to you and in our sole discretion, to change or discontinue all or any portion of the Site, the Products, or the Terms. We may modify these Terms from time to time by notifying you of such modifications by any reasonable means, including by posting revised Terms through the Site. Continued use of the Site or the applicable Products following such modifications constitutes your acceptance of those modifications. Any such modifications will not apply to any dispute between you and us arising prior to the date on which we posted the revised Terms incorporating such changes, or otherwise notified you of such modifications. To the extent that there is a conflict between these Terms and the terms of any Product, the terms of the Product will govern.
You must be an individual of at least eighteen (18) years of age and reside in the United States or on a United States military base or in a United States Territory in order to use the Site. The Site is controlled or operated (or both) from the United States, and is not intended to subject us to any non-U.S. jurisdiction or law. The Site may not be appropriate or available for use in some non-U.S. jurisdictions. Any use of the Site is at your own risk, and you must comply with all applicable laws, rules and regulations in doing so. We may limit the Site’s availability at any time, in whole or in part, to any person, geographic area or jurisdiction that we choose.
To use the Site and to view documents presented in connection with certain of our Products, you will need:
- A Current Version (defined below) of an Internet browser we support;
- A connection to the Internet;
- A Current Version of a program that accurately reads and displays PDF files (which may be either a browser that supports native PDF rendering or a program such as Adobe Acrobat Reader); and
- A computer or mobile device and an operating system capable of supporting all of the above.
By “Current Version”, we mean a version of the software that we support and that is currently being supported by its publisher. We support the Current Version and, for a period of time (at least three (3) months), the version immediately prior to the Current Version of Firefox, Google Chrome, Microsoft Internet Explorer and Safari.
Subject to these Terms, we grant to you a personal, non-exclusive, non-transferable, limited and revocable license to access the Site for your own personal use and not for any commercial or business purpose (“Your License”).
The Site may enable you to transmit, post, communicate or otherwise make available text, photos, videos, links, information, ideas, suggestions, content and other materials (“User Content”), including through the Site’s interactive features or functionality, such as chat features, message boards, forums and other communications tools. User Content may be accessible to and viewable by other users of the Site and the public. We do not claim ownership to User Content; however, by uploading or posting to the Site, you hereby grant to us a worldwide, royalty-free, fully paid-up, non-exclusive, perpetual, irrevocable, transferable and fully sublicensable (through multiple tiers) license, without additional consideration to you or any third party, to reproduce, transmit, print, publish, distribute, index, exhibit, perform, display (publicly or otherwise), create derivative works of, adapt, modify, translate, comment on, use, analyze and otherwise exploit User Content for any purpose, including the right to use your name and likeness as contained therein, in whole and in part, in any format, media or channels now known or hereafter developed (including in connection with the Site and on third-party sites and platforms such as Facebook, Twitter and YouTube), without further notice to you and without further requirement of permission from or payment to you or any other person or entity. You acknowledge and agree that we may use any ideas, concepts, know how or techniques contained in User Content for any purposes whatsoever, including in advertising or informational articles.
You are solely responsible for User Content. This means that you, and not us, are entirely responsible and liable for any claims, loss or damages relating to User Content. When you post User Content, you represent and warrant that you have permission to do so, including permission from any third parties whose names or likenesses are included.
In addition, if you provide to us any ideas, proposals, suggestions or other materials (“Feedback”), whether related to the Site, a Product or otherwise, such Feedback will be deemed to be User Content, and you hereby acknowledge and agree that such Feedback is not confidential, and that your provision of such Feedback is gratuitous, unsolicited and without restriction, and does not place us under any fiduciary or other obligation.
You represent and warrant that you have all rights necessary to grant the licenses granted in this section, and that User Content, and your provision thereof through and in connection with the Site, are complete and accurate, and are not fraudulent, tortious or otherwise in violation of any applicable law or any right of any third party. You further irrevocably waive any other rights with respect to attribution of authorship or integrity of materials regarding User Content that you may have under any applicable law under any legal theory.
A Few Rules of the Road Regarding User Content. We do not endorse or control User Content, so we have to ask that you follow a few rules:
- User Content Must Comply with Our Acceptable Use Policy. Don’t post content or materials that are obscene or that promote illegal activity, or that defame, abuse, harass, threaten or otherwise violate the legal rights of others (including rights of privacy and publicity). Any content or materials containing things like hate speech, nudity and violence (as examples) is strictly prohibited.
- User Content Must Be Yours. This means that you have created the content or materials containing User Content and, where applicable, you must have permission from everyone whose name or likeness is contained in your content or materials to share such content or materials. User Content should not contain any visible logos, phrases or trademarks or other third party materials. Do not post any content or materials that belong to a third party (including any content that you might have found elsewhere on the Internet).
- User Content Must Be Accurate and Truthful. Do not impersonate any other user, person or company or upload or post any content or materials that you know is inaccurate, fraudulent, or deceptive. If you are not authorized to speak on behalf of Marcus, please do not do so. Anything you say or post on the Site should reflect your true opinions or experiences.
- User Content Must Not Include Sensitive Information. Please avoid including your sensitive personal information (such as your social security number, credit card number, etc.) in any of User Content posted on the Site.
- User Content Must Not Be Commercial. Don’t post advertisements, offers, or other commercial content designed or intended to sell yours or a third party’s goods or services.
You are permitted to use the tools, content, information, links or materials made available to you on or through the Site (“Site Information”) only for your own personal use and not for any commercial or business purposes. You are not permitted to publish, transmit or otherwise reproduce any Site Information in any format without our express written consent. In addition, you are not permitted to change, hide or remove any copyright, trademark or any other notices contained on the Site. We reserve the right, in our sole discretion, to add, change or remove any Site Information at any time and from time-to-time. These Terms do not provide you with any rights to any Site Information other than those specifically described in these Terms. All rights not expressly granted in these Terms are reserved by us or the third-party providers of any Site Information.
The Site may contain links and other functionality that connect with websites and applications not provided by us, including social media sites (“Third-Party Sites”). We are providing these links and functionality solely as a convenience to you. We are not responsible for and have no liability for the content, features, products, services, privacy policies or terms of service of any Third-Party Sites. The fact that we have provided a link to a Third-Party Site is not an endorsement of that Third-Party Site (including any information or content made available throughout such site) or its owners, sponsors or operators. We have not tested any information, software or products found on any Third-Party Site and therefore do not make any representations about those sites or any associated products or services.
EXCEPT AS OTHERWISE PROVIDED BY APPLICABLE LAW, WE ARE NOT LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY (1) YOUR RELIANCE ON ANY SITE INFORMATION INCLUDING ANY OPINION, ADVICE, PRODUCT, SERVICE, CONTENT OR OTHER INFORMATION AVAILABLE THROUGH THE SITE OR ANY THIRD-PARTY SITE OR (2) YOUR RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A THIRD-PARTY SITE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY OPINION, ADVICE, PRODUCT, SERVICE, CONTENT OR OTHER INFORMATION AVAILABLE ON OR THROUGH THE SITE OR OBTAINED FROM A THIRD-PARTY SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, PRODUCT, SERVICE, CONTENT OR OTHER INFORMATION CONTAINED ON THIS SITE OR ANY THIRD-PARTY SITE.
You accept sole responsibility for all of your activities using the Site. You may not use the Site in a manner that:
- Uses technology or other means not authorized by us to access the Site Information or our systems;
- Uses or launches any manual or automated device or system, including "robots," "spiders," or "offline readers," to (a) retrieve, index, “scrape,” “data mine,” access or otherwise gather any Site Information or our systems, (b) reproduces or circumvents the navigational structure or presentation of the Site or (c) otherwise harvests or collects information about users of the Site;
- Reverse engineers, decompiles or disassembles any portion of the Site, except where such restriction is expressly permitted by applicable law;
- Attempts to introduce viruses or any other computer code, files, or programs that interrupts, destroys, or limits the functionality of any computer software, hardware, or telecommunications equipment;
- Attempts to gain unauthorized access to our computer network or user accounts;
- Encourages conduct that would constitute a criminal offense or that gives rise to civil liability;
- Harasses, abuses, stalks, threatens, defames, or otherwise infringes or violates the rights of us or any other party (including rights of publicity or other proprietary rights);
- Is unlawful, fraudulent, or deceptive;
- Attempts to damage, disable, overburden, or impair our servers or networks;
- Reproduces, modifies, adapts, translates, creates derivative works of, sells, rents, leases, loans, timeshare, distributes or otherwise exploits any portion of (or any use of) the Site except as expressly authorized herein, without our express prior written consent;
- Fails to comply with applicable third-party terms; or
- Otherwise violates these Terms.
Subject to applicable law and the terms of any Product, we reserve the right, in our reasonable discretion, to terminate Your License, your use of the Site, your user account or any Product provided to you and to assert our legal rights with respect to content or use of the Site that we reasonably believe is, or might be, in violation of these Terms or the terms of any Product.
You are solely responsible for (a) maintaining the security of your devices used for accessing the Site, and (b) for the confidentiality of your user account information, including your access credentials. You are solely responsible for any and all activity that occurs under your user account as a result of your sharing this information or failing to keep this information secure and confidential, except as otherwise provided by law. You agree to notify us immediately of any unauthorized use of your user account, or any other breach of security, by calling us toll-free at 1-855-730-SAVE (1-855-730-7283) for Marcus Savings Products or 1-844-MARCUS2 (1-844-627-2872) for other Products (including Marcus Loans).
WE MAKE NO WARRANTY, EXPRESS OR IMPLIED, CONCERNING THE SITE. THE SITE AND PRODUCTS PROVIDED BY US AND OUR THIRD-PARTY PROVIDERS ARE PROVIDED ON AN "AS IS" BASIS. WE EXPRESSLY DISCLAIM ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, INCLUDING ANY WARRANTY WITH RESPECT TO THE CORRECTNESS, QUALITY, ACCURACY, COMPLETENESS, RELIABILITY, PERFORMANCE, TIMELINESS OR CONTINUED AVAILABILITY OF THE SITE OR ANY SITE INFORMATION. ALL DISCLAIMERS OF ANY KIND (INCLUDING IN THIS SECTION AND ELSEWHERE IN THESE TERMS) ARE MADE FOR THE BENEFIT OF BOTH GOLDMAN SACHS BANK USA AND ITS AFFILIATES AND THEIR RESPECTIVE SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS AND REPRESENTATIVES, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS.
THE SITE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTIONS OF SERVICES PUBLISHED OR MADE AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE SPECIFICALLY DISCLAIM ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. WE DO NOT WARRANT OR REPRESENT THAT THE SITE INFORMATION IS COMPLETE, CORRECT, SECURE OR UP-TO-DATE. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY AND WE DO NOT HAVE ANY OBLIGATION TO UPDATE THAT INFORMATION. NEITHER WE NOR ANY OF OUR THIRD-PARTY PROVIDERS HAVE ANY RESPONSIBILITY TO MAINTAIN THE DATA, SITE INFORMATION OR PRODUCTS MADE AVAILABLE THROUGH THE SITE OR TO SUPPLY ANY CORRECTIONS, UPDATES OR RELEASES IN CONNECTION WITH THAT DATA, SITE INFORMATION OR PRODUCTS. THE SITE INFORMATION AND AVAILABILITY OF THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. WE DO NOT REPRESENT OR GUARANTEE THAT THE SITE WILL BE AVAILABLE OR FREE FROM LOSS, ATTACK, HACKING OR OTHER SECURITY INTRUSION, AND WE EXPRESSLY DISCLAIM LIABILITY FOR ANY SECURITY-RELATED LOSSES OR DAMAGES.
YOU AGREE THAT YOUR ACCESS TO AND USE OF THE SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL WE BE HELD LIABLE FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH YOUR USE OF THE SITE, SITE INFORMATION, ANY PRODUCT (INCLUDING ANY APPLICATION FOR SUCH PRODUCT) OR ANY THIRD-PARTY SITE, OR (B) ANY SITE FAILURE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION; COMPUTER VIRUS; OR LINE OR SYSTEM FAILURE, EVEN IF WE OR OUR REPRESENTATIVES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
Any computer system, service or electronic device, whether it is yours, an internet service provider's, a mobile network operator’s or ours, can experience unanticipated outages, slowdowns and/or capacity limitations. As a result of high internet traffic volume, transmission problems, systems capacity limitations and other problems, you may, at times, experience difficulty accessing the Site or communicating with us through the internet or other electronic and wireless services. The Site may be unavailable during system maintenance, for security precautions or when interrupted by circumstances beyond our control.
The names “Marcus: by Goldman Sachs” and “Marcus by Goldman Sachs”, the “Marcus: by Goldman Sachs” logo, the “M:” logo and other Goldman Sachs trademarks, service marks, graphics and logos used in connection with the Site are our trademarks or registered trademarks (collectively “Goldman Sachs Marks”). Other trademarks, service marks, graphics and logos used in connection with the Site are the trademarks of their respective owners (collectively “Third-Party Marks”). The Goldman Sachs Marks and Third-Party Marks may not be copied, imitated or used, in whole or in part, without our prior written permission or the prior written permission of the applicable trademark owner. The Site and its content are protected by copyright, trademark, patent, trade secret, international treaties, laws and other proprietary rights.
All personal loan Products provided through the Site are issued by Goldman Sachs Bank USA, Salt Lake City Branch.
A. No Use of Proceeds for Student Loan Purposes. You may not use the proceeds of any personal loan Product provided through the Site for education-related expenses or to refinance your student loans. Examples of education-related expenses may include tuition and fees, books, supplies, miscellaneous personal expenses or room and board.
B. California Residents. A married applicant may apply for a separate loan.
C. Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
D. Married Wisconsin Residents. If you are married: (1) you confirm that any loan application that you make is made on behalf of your marriage or family; (2) no provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin’s Marital Property Act will adversely affect a creditor’s interest unless prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree; (3) you understand and agree that we will provide a copy of any loan agreement to your spouse for his or her information. If the loan for which you are applying is granted, you agree to notify us if you have a spouse by sending us your name and your spouse’s name and address to us at Marcus by Goldman Sachs, P.O. Box 45400, Salt Lake City, UT 84145-0400, Attention: Wisconsin Resident.
All Accounts (Online Savings Accounts and Certificate of Deposit Accounts as defined above) offered on and that may be accessible through the Site are held by Goldman Sachs Bank USA.
A. If you are an Account owner, you may use the Online Banking portion of the Site to access your Account, transfer funds to and from your Account, and perform other actions related to your Account, provided you have created credentials and been authenticated and consented to our Goldman Sachs Bank USA eSign Agreement (“eSign Agreement”). In the case of a joint Account, each joint owner must separately create his/her own credentials and consent to the eSign Agreement. Your use of the Online Banking portion of the Site is governed by these Terms, as well as the Deposit Account Agreement, including section XIII. Online Banking, and the eSign Agreement. As applicable to your Accounts and the Online Banking portion of the Site, if these Terms conflict with the Deposit Account Agreement or the eSign Agreement, unless specially stated otherwise in the other agreements, the other agreements will control.
B. You may cancel your access to the Online Banking portion of the Site by calling Customer Service. If you withdraw your consent to the eSign Agreement, you will no longer be able to access the Online Banking portion of this Site.
C. We may suspend, terminate, or limit your use of the Online Banking portion of this Site for any reason and without notice, except as may be required by law.
As part of our credit and debt tools, you agree that we may provide you with updates regarding changes to your consumer report and important notifications related to your credit profile, which we may do on our website, push notifications, emails or text messages.
You may cancel your participation in our credit and debt tools at any time by contacting 1-844-MARCUS2 (1-844-627-2872). We may cancel your participation if you do not login for 12 consecutive months and we reserve the right to modify or eliminate the credit and debt tools, at any time. Our credit and debt tools are only available to customers who have a social security number. If you applied for a Marcus loan through our paper application and would like to receive our credit and debt tools, contact us at 1-844-MARCUS2 (1-844-627-2872).
Our credit and debt tools are provided for free and are for educational purposes only. We are not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act and we do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit. Articles provided in connection with our credit and debt tools are general in nature, provided for informational purposes only and are not a substitute for individualized professional advice. We make no representation that we will improve or attempt to improve your credit record, history, or rating.
You may not use the Site for any purpose or in any manner that infringes the rights of any third party. In accordance with the Digital Millennium Copyright Act of 1998 (the “DMCA“), we have a designated agent for receiving notices of copyright infringement and we follow the notice and take down procedures of the DMCA. We may terminate your access to the Site in the event of repeated violations.
Procedure. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our copyright agent the following information as required by the DMCA: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; (c) identification of the material that is claimed to be infringing or to be the subject of infringing activity and information reasonably sufficient to permit us to locate the material; (d) information reasonably sufficient to permit us to contact you (e.g. your name, email address and phone number); (e) a statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. It is often difficult to determine if your intellectual property rights have been violated. We may request additional information before we remove any allegedly infringing material. Please direct copyright infringement notifications to our DMCA Agent via email at email@example.com or by mail at:
Goldman Sachs & Co. LLC
200 West Street
New York, NY 10282
If you are a New Jersey resident, notwithstanding anything to the contrary in Sections 8, 12 or 13, we do not disclaim liability for any damages directly and proximately resulting from our own gross negligence, recklessness or intentional misconduct. However, in no event (except with respect to personal injury) will we be liable for indirect, special, incidental or consequential damages, losses or expenses or for punitive or exemplary damages of any kind.
We may use Google, Inc. (“Google”) Maps API to help pre-fill in address information on the Site. By using this service, you agree to be bound by Google’s Terms of Service. To learn more about Google’s Terms of Service, please visit https://www.google.com/policies/terms.
If any provision of these Terms is deemed unlawful, void or unenforceable for any reason, then such provision shall be deemed to be removed from these Terms and shall not affect the validity and enforceability of any remaining provisions. Our failure to enforce the strict performance of any provision of these Terms or additional terms for the Products will not waive our right to later enforce those provisions.
A. Except as provided in subsection (B) below, these Terms shall be governed by and construed in accordance with federal law and any applicable laws of the State of Utah without regard to rules concerning conflicts of law or choice of law.
B. If you are a New York resident, these Terms shall be governed by and construed in accordance with federal law and the laws of the State of New York, without regard to rules concerning conflicts of law or choice of law.
We hereby notify you that parental control protections (such as computer hardware, software or filtering services) are commercially available that may assist you in limiting access to material that is harmful to minors. Information identifying current providers of such protections is available from https://en.wikipedia.org/wiki/Comparison_of_content-control_software and providers. Please note that we do not endorse any of the products or services listed on such site.
We are committed to making our Products accessible to our customers and the public, including individuals with disabilities. Please contact our Customer Care Center toll-free at 1-855-730-SAVE (1-855-730-7283) for Marcus Savings Products or 1-844-MARCUS2 (1-844-627-2872) for other Products (including Marcus Loans) and ask to speak to our Americans with Disabilities Act ("ADA") Coordinator to learn more about our accessibility support services.
A. Reasonable Accommodations: Individuals who need a reasonable accommodation to access our Products should call our Customer Care Center toll-free at 1-855-730-SAVE (1-855-730-7283) for Marcus Savings Products or 1-844-MARCUS2 (1-844-627-2872) for other Products (including Marcus Loans) and ask to speak to our ADA Coordinator. Requesters will need to provide the date on which the reasonable accommodation is needed and information about the nature of the requested accommodation. Requesters should include contact information such as an email address or telephone number at which they can be reached. Depending on the nature of the request, we may need significant advance notice to provide a reasonable accommodation.
B. Feedback: In the event that a user with a disability experiences accessibility issues with the Site, please notify our ADA Coordinator toll-free at 1-855-730-SAVE (1-855-730-7283) for Marcus Savings Products or 1-844-MARCUS2 (1-844-627-2872) for other Products (including Marcus Loans). In your communication to us, please specify the nature of the accessibility difficulty, including the web address that may have presented an accessibility challenge.
C. Third-Party Sites: The Site contains links to Third-Party Sites. We do not make any representations with regard to the accessibility of Third-Party Sites and are not able to remediate accessibility barriers on such sites.
Many questions regarding our Products and the Site can be answered through our FAQs found here. Any other questions, complaints or claims regarding the Site or the Products should be directed to our Customer Care Center by calling us toll-free at 1-855-730-SAVE (1-855-730-7283) for Marcus Savings Products or 1-844-MARCUS2 (1-844-627-2872) for other Products (including Marcus Loans).
© 2017 Goldman Sachs Bank USA unless otherwise noted. All rights reserved.
Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA, which is a wholly-owned subsidiary of The Goldman Sachs Group, Inc., New York State-chartered bank and a member of the Federal Reserve System and FDIC. All savings deposit products provided by Goldman Sachs Bank USA.