Through your representative, you have access to a wealth of reliable information and valuable, objective financial experience. You can make wise use of your assets by selecting from a broad array of financial products and services. Depending on your goals and priorities, your representative will help you choose appropriate savings and investment vehicles including:

Fixed Rate Annuities
Excellent for retirement and estate planning, these are products of top-rated life insurance companies. Fixed rate annuities offer investors tax-deferral, competitive interest rates, a high degree of safety, estate benefits and no administrative fees.

There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59 1/2 may result in a 10% penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company.

ALTERNATIVE INVESTMENTS ARE:
• Not a deposit • Not FDIC-insured • Not guaranteed by the bank
• Not insured by any federal government agency • May go down in value