All offerings are subject to price change and availability. This information is obtained from internal and external sources, which are believed to be reliable; however, no guarantee of its accuracy can be made. Neither the information nor any opinion that may be expressed constitutes a solicitation for the purchase or sale of any security referred to herein. Due to fluctuating market conditions, yield/principal value may be higher or lower if security is sold prior to maturity. All bond ratings are from S&P or Moody. Bond offering yields include calculations, which are the lower of the yield to maturity or the yield to call. No part of this document may be reproduced in any way without prior written authorization. Due to the brevity of the information, further research is imperative before making an investment decision or recommendation.