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Investments and insurance products and services are offered through OSAIC INSTITUTIONS, INC. Member FINRA/SIPC.

OSAIC INSTITUIONS does insurance business in California as OSAIC INSTITUTIONS. CA Agency #0A63417. First Bank Wealth Management is a trade name of First Bank. OSAIC INSTITUTIONS and First Bank are not affiliated.

Products and services made available through OSAIC INSTITUTIONS, Inc. are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.

Investment products may lose value. Mutual funds and variable annuities are offered by prospectus; the prospectus contains more complete product information-including fees and expenses - and should be read carefully before investing.

Structured CDs are long-term investments that are subject to investment risk and are not suitable for purchase by all people. It is important to read and understand the CD's Term Sheet with information on fees, costs, and risks prior to investing.

It is important to carefully review the prospectus to understand all risks and costs prior to investing. This information should not be construed as investment advice or a recommendation with respect to products listed.

**This information is general in nature and should not be construed as tax advice. First Bank Wealth Management and OSAIC INSTITUTIONS do not offer tax advice. Please consult your tax professional prior to investing.