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© 2013 CertusHoldings, Inc. All Rights Reserved.

Deposit products offered by CertusBank, N.A., Member FDIC. Equal Housing Lender.

Securities and Insurance Products are NOT Insured by the FDIC, nor by any other Federal or State Government Agency, are
NOT a Deposit of and are NOT Guaranteed by a Bank or any Bank Affiliate, and MAY lose value.

Brokerage, Insurance and Investment Banking services offered through CertusSecurities, Inc. (“CSI”), Member FINRA and SIPC. Financial Advisory services offered through CertusInvestment Advisors, LLC (“CIA”). Fiduciary and custody services may be offered through CertusWealth Trust, a division of CertusBank, N.A. or a third party entity. C-Direct customers are not provided nor given investment advice through CSI or CIA. CertusBank, CSI and CIA are affiliated companies and subsidiaries of CertusHoldings, Inc. CertusWealth, Certus Investment Advisors, CertusSecurities, CertusBank and the Certus logo are trademarks of CertusHoldings, Inc. Accounts carried with National Financial Services LLC, a Fidelity Investments Co.

Information contained herein is believed to be reliable, but no warranties as to its completeness or accuracy are made herein. Opinions and estimates constitute our judgment and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. CSI may hold a position or act as market maker in the financial instruments of any issuer
discussed herein or act as advisor or lender to such issuer.