WHAT YOU'VE HEARD IS TRUE

BANKING SERVICES; INVESTMENT SERVICES, NAMELY PERSONAL INVESTING, ASSET ALLOCATION USING MUTUAL FUNDS, STOCKS, AND BONDS TO PROVIDE FOR RETIREMENT, EDUCATION, AND OTHER FINANCIAL GOALS; BROKERAGE IN THE FIELD OF INSURANCE AND STOCKS; MORTGAGE SERVICES, NAMELY MORTGAGE BROKERAGE, MORTGAGE BANKING AND MORTGAGE LENDING