About Cetera My Broker-Dealer: Cetera Investment ServicesCetera Investment Services is one of the largest financial institution based broker-dealers in theindustry.* Its network of people and resources helps financial advisors pursue their clients’ unique goalsand visions for the future. Cetera Investment Services benefits financial institution clients through its: Delivery of high-quality investment products, wealth management solutions and premier support tohelp grow investment programs. State-of-the-art technology and service offerings catered specifically to our distinct focus on financialinstitutions and dedication to helping them foster lasting relationships with their clients Diverse product choice that delivers the freedom to select financial solutions that best suit client’sfinancial goals Research, product due diligence and insight to help advisors make more informed decisions More than $33.5** billion of assets under administrationCetera Investment Services is a member of the Securities Investor Protection Corporation (SIPC) and amember of the Financial Industry Regulatory Authority (FINRA).Self-Clearing AdvantageCetera Investment Services is an industry-leading, self-clearing broker-dealer, registered investmentadviser and insurance agency dedicated to serving financial institutions for 30 years. As a self-clearingbroker-dealer, Cetera Investment Services brings to its financial institution clients: Rapid response Complete quality control In-house, real-time data processing Expedient execution Competitive pricing Flexible structureSeamless trading and execution of annuities, equities, mutual funds, UITs, REITs, ETFs, and fixed incomesecurities are at the center of Cetera Investment Services’ offerings, along with an unsurpassed priorityfor data integrity and information security. Today’s regulatory environment mandates completeaccountability throughout the financial services industry. Cetera Investment Services is focusedexclusively on the complexities of offering investments and insurance within a financial institution andwe build processes designed to meet the regulatory needs of a financial institution and the industry.* In Investment News 2015 Broker-Dealer Rankings, Cetera Investment Services ranked among the top20 broker-dealers in total number of advisors and assets.** As of April 30, 2016.© 2016 Cetera Investment Services LLCContinued…About Cetera Financial Group®Cetera Financial Group ("Cetera") is a leading network of independent retail broker-dealers empoweringthe delivery of objective financial advice to individuals, families and company retirement plans acrossthe country through trusted financial advisors and financial institutions. Cetera is the second-largestindependent financial advisor network in the nation by number of advisors, as well as a leading providerof retail services to the investment programs of banks and credit unions.Through its multiple distinct firms, Cetera offers independent and institutions-based advisors thebenefits of a large, established broker-dealer and registered investment adviser, while serving advisorsand institutions in a way that is customized to their needs and aspirations. Advisor support resourcesoffered through Cetera include award-winning wealth management and advisory platforms,comprehensive broker-dealer and registered investment adviser services, practice management supportand innovative technology. For more information, visit www.ceterafinancialgroup.com.For more information, please contact:Cetera Investment Services LLC Member FINRA/SIPC400 First Street South, Suite 300 Saint Cloud, MN 56301800.245.0467www.ceterainvestmentservices.comSecurities and insurance products are offered through Cetera Investment Services LLC (doing insurancebusiness in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered throughCetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investmentservices are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financialinstitution guaranteed *Not a deposit *Not insured by any federal government agency.