Important Disclosures Regarding New FDIC Insurance Rules

Wealth Management

Wealth Management Defined

At First Security, our definition of Wealth Management is fairly simple and straightforward: Helping our clients accumulate, protect, and distribute their wealth. First Security is continually dedicated to the financial success of our clients. You can rest assured knowing that we have the ability to service the various aspects of your financial needs, no matter where you are on your financial journey. Whether it is for individuals, families, foundations, endowments or retirement plans - we have the tools to deliver personalized planning strategies and investment solutions, including:

Securities Management

� Equities
� Options
� Fixed Income

Retirement Services

� 401(k), 403(b)
� IRA
� Simple IRA

Wealth Planning

� Estate/Tax Planning
� Retirement Planning
� Education Planning
� Trust Services

SELECT & ACCESS

Through First Security's Private Client Group, we offer two state-of-the-art asset management platforms focused on providing you with personal and professional investment solutions. The First Security SELECT Asset Management Program provides you with an opportunity to receive a fully diversified asset allocation in a structured environment, utilizing separate account managers, exchange traded funds (ETFs) and mutual funds blended together into a single account.

The First Security ACCESS Asset Management Program is designed for the client who seeks a diversified portfolio comprised solely of mutual funds. Six asset allocation models have been created to better meet your investment related goals. ACCESS provides you with style-pure mutual funds, managed by world class institutional money managers.

SELECT and ACCESS both address your financial needs over both the long and short term. A variety of factors are taken into consideration when constructing your portfolio, including, but not limited to, your time horizon, risk tolerance, overall financial goals and prevailing market conditions.

Manage your account on-line by clicking on this link:

https://www.forwardrk.com/FirstSecurity

You will be directed to a secure site to enter your account log-in credentials.

Investment products provided by Crews & Associates, inc.

� NOT A DEPOSIT
� NOT FDIC INSURED
� NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
� NOT GUARANTEED BY THE BANK
� MAY GO DOWN IN VALUE