Investments

Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. CUSO Financial Services, L.P. and its representatives do not provide tax advice. For such advice, please contact a tax professional. Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.

CUSO Financial Services, L.P. (CFS¹) at Vault Offshore Banking (Vault Offshore Banking) is offering Digital Advisor utilizing Institutional Intelligent Portfolios^® (IIP) an innovative new way to invest through Schwab Performance Technologies^®. IIP offers a diverse suite of portfolio’s using an automated management investment service that helps automatically rebalance your investments when needed. These materials have been independently produced by Vault Offshore Banking. Vault Offshore Banking is independent of, and has no affiliation with, Schwab Performance Technologies^® (“SPT”), Charles Schwab & Co., Inc. (“CS&Co”), or any of their affiliates (together, “Schwab”). Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials, nor has Schwab independently verified any of the information in them. Institutional Intelligent Portfolios^® is an automated investment management service for independent advisors and available exclusively through independent investment advisory firms like CUSO Financial Services, L.P. (“CFS”). CFS, not Schwab, is responsible for advising you on its program, including recommending and selecting a portfolio appropriate for you and managing your portfolio on a discretionary basis. Your portfolio will be held in a brokerage account at CS&Co. “Institutional Intelligent Portfolios” is a trademark of Charles Schwab & Co., Inc.