CUSO FINANCIAL SERVICES Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CLEAR1 | CUSO FINANCIAL SERVICES AND SORRENTO PACIFIC Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CUSO FINANCIAL ADVISORY SERVICES PAYMENT PORTAL Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. HOMEPAGE | CUSO FINANCIAL SERVCIES A financial institution has contracted with CFS or SPF to make non-deposit investment products and services available to members or clients. Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made

only upon

LOGIN TO YOUR ACCOUNTS *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 HOMEPAGE | APPLE FEDERAL CREDIT UNION *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

MONAYE NELSON

Sorrento Pacific Financial, LLC. Email: mnelson@cusonet.com. Phone: (858) 530-4495. Check the background of this investment professional on FINRA BrokerCheck. *Non-deposit investment products and services are offered through either CUSO Financial Services, L.P. (“CFS”) or Sorrento Pacific Financial, LLC (“SPF”), registered broker

TANYA DUBOUE

Galley, Flintridge, South, Constitution. Phone: (719) 550-6314. Office: 800-525-9623 ext 6314. Check the background of this investment professional on FINRA BrokerCheck. *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

BRAD SOVA, CRPC®

Email: bradley.sova@dfcufinancial.comPhone: (313) 322-8236. Check the background of this investment professional on FINRA BrokerCheck. Brad is here to help you identify and achieve your financial goals. He can assist you with retirement planning, funding a child’s education, tax-efficient investing or simply general investment planning. CUSO FINANCIAL SERVICES Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CLEAR1 | CUSO FINANCIAL SERVICES AND SORRENTO PACIFIC Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CUSO FINANCIAL ADVISORY SERVICES PAYMENT PORTAL Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. HOMEPAGE | CUSO FINANCIAL SERVCIES A financial institution has contracted with CFS or SPF to make non-deposit investment products and services available to members or clients. Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made

only upon

LOGIN TO YOUR ACCOUNTS *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 HOMEPAGE | APPLE FEDERAL CREDIT UNION *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

MONAYE NELSON

Sorrento Pacific Financial, LLC. Email: mnelson@cusonet.com. Phone: (858) 530-4495. Check the background of this investment professional on FINRA BrokerCheck. *Non-deposit investment products and services are offered through either CUSO Financial Services, L.P. (“CFS”) or Sorrento Pacific Financial, LLC (“SPF”), registered broker

TANYA DUBOUE

Galley, Flintridge, South, Constitution. Phone: (719) 550-6314. Office: 800-525-9623 ext 6314. Check the background of this investment professional on FINRA BrokerCheck. *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

BRAD SOVA, CRPC®

Email: bradley.sova@dfcufinancial.comPhone: (313) 322-8236. Check the background of this investment professional on FINRA BrokerCheck. Brad is here to help you identify and achieve your financial goals. He can assist you with retirement planning, funding a child’s education, tax-efficient investing or simply general investment planning.

WE KNOW WHAT WORKS

As a "Signature Service" of CFS and SPF, we provide a consolidated view of all securities, insurance, and fee-based managed accounts for your clients through MyPortfolioView ("MPV") *MPV is a mobile app for both iOS and Android. *MPV can be co-branded with your financial institution name. *Client access is available 24/7. *Clients can view WORK WITH AN AWARD-WINNING COMPANY Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. MPV CUSO from Atria

Wealth on Vimeo.

HOMEPAGE | EECU

Homepage | EECU. New to investing? Institutional Intelligent. Portfolios ® robo-advisor can help build. and manage your portfolio. Learn More Non-deposit Investment products and services offered through. CUSO Financial Services, L.P. (Member FINRA/SIPC). Create a retirement lifestyle strategy A financial plan can help take. LOGIN TO YOUR ACCOUNTS *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 LOGIN TO YOUR ACCOUNTS *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

INVESTMENT SERVICES

When do I need to meet my retirement goals? Learn More Calculate what you need to save today Now is the time to start saving Calculate the impact of your investment return Learn More Let us guide you on your journey Learn more about Deseret First Wealth Management available through CFS* Learn More Create a plan that can help attain your goals Calculate what your 401k may be worth Learn More LOGIN TO YOUR ACCOUNT Login to Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login *Non-deposit investment products and services are offered through CUSO LOGIN TO YOUR ACCOUNTS *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 LOGIN TO YOUR ACCOUNT Login to Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. CUSO FINANCIAL SERVICES Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CLEAR1 | CUSO FINANCIAL SERVICES AND SORRENTO PACIFIC Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CUSO FINANCIAL ADVISORY SERVICES PAYMENT PORTAL Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and

WE KNOW WHAT WORKS

As a "Signature Service" of CFS and SPF, we provide a consolidated view of all securities, insurance, and fee-based managed accounts for your clients through MyPortfolioView ("MPV") *MPV is a mobile app for both iOS and Android. *MPV can be co-branded with your financial institution name. *Client access is available 24/7. *Clients can view LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. UNIO – AN ELEVATED EXPERIENCE FOR PROGRAM MANAGERS AND Our fully integrated technology solutions for Program Managers, Advisors and Clients were designed and engineered by more than 70 industry-leading developers from Silicon Valley and large wealth management firms who are dedicated to the quality and future of our platform. Together they enhance the on-line experience and enrich the advisor-client connection.

INVESTMENT SERVICES

When do I need to meet my retirement goals? Learn More Calculate what you need to save today Now is the time to start saving Calculate the impact of your investment return Learn More Let us guide you on your journey Learn more about Deseret First Wealth Management available through CFS* Learn More Create a plan that can help attain your goals Calculate what your 401k may be worth Learn More

TANYA DUBOUE

Galley, Flintridge, South, Constitution. Phone: (719) 550-6314. Office: 800-525-9623 ext 6314. Check the background of this investment professional on FINRA BrokerCheck. *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

DAVID KIMURA

Kimura is the Program Manager of the Hawaii State Investment Services Section. Registered through CUSO Financial Services, L.P. (CFS) he oversees the investment program provided to members. Kimura works directly with credit union staff, members, and our CFS team. He assists his clients with determining retirement planning, strategic

asset

BRAD SOVA, CRPC®

Email: bradley.sova@dfcufinancial.comPhone: (313) 322-8236. Check the background of this investment professional on FINRA BrokerCheck. Brad is here to help you identify and achieve your financial goals. He can assist you with retirement planning, funding a child’s education, tax-efficient investing or simply general investment planning. CUSO FINANCIAL SERVICES Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CLEAR1 | CUSO FINANCIAL SERVICES AND SORRENTO PACIFIC Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CUSO FINANCIAL ADVISORY SERVICES PAYMENT PORTAL Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and

WE KNOW WHAT WORKS

As a "Signature Service" of CFS and SPF, we provide a consolidated view of all securities, insurance, and fee-based managed accounts for your clients through MyPortfolioView ("MPV") *MPV is a mobile app for both iOS and Android. *MPV can be co-branded with your financial institution name. *Client access is available 24/7. *Clients can view LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. UNIO – AN ELEVATED EXPERIENCE FOR PROGRAM MANAGERS AND Our fully integrated technology solutions for Program Managers, Advisors and Clients were designed and engineered by more than 70 industry-leading developers from Silicon Valley and large wealth management firms who are dedicated to the quality and future of our platform. Together they enhance the on-line experience and enrich the advisor-client connection.

INVESTMENT SERVICES

When do I need to meet my retirement goals? Learn More Calculate what you need to save today Now is the time to start saving Calculate the impact of your investment return Learn More Let us guide you on your journey Learn more about Deseret First Wealth Management available through CFS* Learn More Create a plan that can help attain your goals Calculate what your 401k may be worth Learn More

TANYA DUBOUE

Galley, Flintridge, South, Constitution. Phone: (719) 550-6314. Office: 800-525-9623 ext 6314. Check the background of this investment professional on FINRA BrokerCheck. *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

DAVID KIMURA

Kimura is the Program Manager of the Hawaii State Investment Services Section. Registered through CUSO Financial Services, L.P. (CFS) he oversees the investment program provided to members. Kimura works directly with credit union staff, members, and our CFS team. He assists his clients with determining retirement planning, strategic

asset

BRAD SOVA, CRPC®

Email: bradley.sova@dfcufinancial.comPhone: (313) 322-8236. Check the background of this investment professional on FINRA BrokerCheck. Brad is here to help you identify and achieve your financial goals. He can assist you with retirement planning, funding a child’s education, tax-efficient investing or simply general investment planning. LOGIN TO YOUR ACCOUNTS Allowing you to manage and view all of your accounts in one convenient location. Login. 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

WORK WITH AN AWARD-WINNING COMPANY Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. MPV CUSO from Atria

Wealth on Vimeo.

LOGIN TO YOUR ACCOUNTS *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 CFS/SPF LAUNCH FUNDVISION MUTUAL FUND PLATFORM Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and HOMEPAGE | ENT INVESTMENT SERVICES The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon

compliance

LOGIN TO YOUR ACCOUNTS Clear 1. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. LOGIN TO YOUR ACCOUNT Login to Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login *Non-deposit investment products and services are offered through CUSO HOMEPAGE | APPLE FEDERAL CREDIT UNION *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

TRUST BASICS

Trust Basics. Articles, Estate Planning. Whether you’re seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility–many types of trusts exist, each designed for a specific purpose. CUSO FINANCIAL SERVICES Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CLEAR1 | CUSO FINANCIAL SERVICES AND SORRENTO PACIFIC Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CUSO FINANCIAL ADVISORY SERVICES PAYMENT PORTAL Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and PORTFOLIO VIEW & REPORTING Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. UNIO – AN ELEVATED EXPERIENCE FOR PROGRAM MANAGERS AND Our fully integrated technology solutions for Program Managers, Advisors and Clients were designed and engineered by more than 70 industry-leading developers from Silicon Valley and large wealth management firms who are dedicated to the quality and future of our platform. Together they enhance the on-line experience and enrich the advisor-client connection.

INVESTMENT SERVICES

When do I need to meet my retirement goals? Learn More Calculate what you need to save today Now is the time to start saving Calculate the impact of your investment return Learn More Let us guide you on your journey Learn more about Deseret First Wealth Management available through CFS* Learn More Create a plan that can help attain your goals Calculate what your 401k may be worth Learn More

TANYA DUBOUE

Galley, Flintridge, South, Constitution. Phone: (719) 550-6314. Office: 800-525-9623 ext 6314. Check the background of this investment professional on FINRA BrokerCheck. *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

BRAD SOVA, CRPC®

Email: bradley.sova@dfcufinancial.comPhone: (313) 322-8236. Check the background of this investment professional on FINRA BrokerCheck. Brad is here to help you identify and achieve your financial goals. He can assist you with retirement planning, funding a child’s education, tax-efficient investing or simply general investment planning. SCOTT HINMAN AT NEFCU A life-long Vermonter and proud Veteran, Scott Hinman is a CFS* Financial Advisor at NEFCU Financial Group. Scott has more than 17 years of experience serving clients in the areas of insurance, investments, retirement distribution, and college planning. Scott also has a passion for helping people improve their financial situation

through sound

CUSO FINANCIAL SERVICES Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CLEAR1 | CUSO FINANCIAL SERVICES AND SORRENTO PACIFIC Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CUSO FINANCIAL ADVISORY SERVICES PAYMENT PORTAL Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and PORTFOLIO VIEW & REPORTING Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. UNIO – AN ELEVATED EXPERIENCE FOR PROGRAM MANAGERS AND Our fully integrated technology solutions for Program Managers, Advisors and Clients were designed and engineered by more than 70 industry-leading developers from Silicon Valley and large wealth management firms who are dedicated to the quality and future of our platform. Together they enhance the on-line experience and enrich the advisor-client connection.

INVESTMENT SERVICES

When do I need to meet my retirement goals? Learn More Calculate what you need to save today Now is the time to start saving Calculate the impact of your investment return Learn More Let us guide you on your journey Learn more about Deseret First Wealth Management available through CFS* Learn More Create a plan that can help attain your goals Calculate what your 401k may be worth Learn More

TANYA DUBOUE

Galley, Flintridge, South, Constitution. Phone: (719) 550-6314. Office: 800-525-9623 ext 6314. Check the background of this investment professional on FINRA BrokerCheck. *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

BRAD SOVA, CRPC®

Email: bradley.sova@dfcufinancial.comPhone: (313) 322-8236. Check the background of this investment professional on FINRA BrokerCheck. Brad is here to help you identify and achieve your financial goals. He can assist you with retirement planning, funding a child’s education, tax-efficient investing or simply general investment planning. SCOTT HINMAN AT NEFCU A life-long Vermonter and proud Veteran, Scott Hinman is a CFS* Financial Advisor at NEFCU Financial Group. Scott has more than 17 years of experience serving clients in the areas of insurance, investments, retirement distribution, and college planning. Scott also has a passion for helping people improve their financial situation

through sound

LOGIN TO YOUR ACCOUNTS Allowing you to manage and view all of your accounts in one convenient location. Login. 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

LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. MPV CUSO from Atria

Wealth on Vimeo.

LOGIN TO YOUR ACCOUNT Login to Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login *Non-deposit investment products and services are offered through CUSO HOMEPAGE | CUSO FINANCIAL SERVCIES *Non-deposit investment products and services are offered through either CUSO Financial Services, L.P. (“CFS”) or Sorrento Pacific Financial, LLC (“SPF”), registered broker-dealers (Member FINRA / SIPC) and SEC Registered Investment Advisors. Investments products are not federally insured, not guarantees or obligations of the bank or credit union, and may involve investment risk HOMEPAGE | APPLE FEDERAL CREDIT UNION *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 LOGIN TO YOUR ACCOUNTS Clear 1. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. HOMEPAGE | ENT INVESTMENT SERVICES The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon

compliance

TEAM | DFCU FINANCIAL PARTNERS *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

TRUST BASICS

Trust Basics. Articles, Estate Planning. Whether you’re seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility–many types of trusts exist, each designed for a specific purpose.

UNDERSTANDING IRAS

Understanding IRAs. An individual retirement arrangement (IRA) is a personal savings plan that offers specific tax benefits. IRAs are one of the most powerful retirement savings tools available to you. Even if you’re contributing to a 401 (k) or other plan at work, you should also consider investing in an IRA. CUSO FINANCIAL SERVICES Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CLEAR1 | CUSO FINANCIAL SERVICES AND SORRENTO PACIFIC Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CUSO FINANCIAL ADVISORY SERVICES PAYMENT PORTAL Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and PORTFOLIO VIEW & REPORTING Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. UNIO – AN ELEVATED EXPERIENCE FOR PROGRAM MANAGERS AND Our fully integrated technology solutions for Program Managers, Advisors and Clients were designed and engineered by more than 70 industry-leading developers from Silicon Valley and large wealth management firms who are dedicated to the quality and future of our platform. Together they enhance the on-line experience and enrich the advisor-client connection.

INVESTMENT SERVICES

When do I need to meet my retirement goals? Learn More Calculate what you need to save today Now is the time to start saving Calculate the impact of your investment return Learn More Let us guide you on your journey Learn more about Deseret First Wealth Management available through CFS* Learn More Create a plan that can help attain your goals Calculate what your 401k may be worth Learn More

TANYA DUBOUE

Galley, Flintridge, South, Constitution. Phone: (719) 550-6314. Office: 800-525-9623 ext 6314. Check the background of this investment professional on FINRA BrokerCheck. *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

BRAD SOVA, CRPC®

Email: bradley.sova@dfcufinancial.comPhone: (313) 322-8236. Check the background of this investment professional on FINRA BrokerCheck. Brad is here to help you identify and achieve your financial goals. He can assist you with retirement planning, funding a child’s education, tax-efficient investing or simply general investment planning. SCOTT HINMAN AT NEFCU A life-long Vermonter and proud Veteran, Scott Hinman is a CFS* Financial Advisor at NEFCU Financial Group. Scott has more than 17 years of experience serving clients in the areas of insurance, investments, retirement distribution, and college planning. Scott also has a passion for helping people improve their financial situation

through sound

CUSO FINANCIAL SERVICES Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CLEAR1 | CUSO FINANCIAL SERVICES AND SORRENTO PACIFIC Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CUSO FINANCIAL ADVISORY SERVICES PAYMENT PORTAL Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and PORTFOLIO VIEW & REPORTING Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. UNIO – AN ELEVATED EXPERIENCE FOR PROGRAM MANAGERS AND Our fully integrated technology solutions for Program Managers, Advisors and Clients were designed and engineered by more than 70 industry-leading developers from Silicon Valley and large wealth management firms who are dedicated to the quality and future of our platform. Together they enhance the on-line experience and enrich the advisor-client connection.

INVESTMENT SERVICES

When do I need to meet my retirement goals? Learn More Calculate what you need to save today Now is the time to start saving Calculate the impact of your investment return Learn More Let us guide you on your journey Learn more about Deseret First Wealth Management available through CFS* Learn More Create a plan that can help attain your goals Calculate what your 401k may be worth Learn More

TANYA DUBOUE

Galley, Flintridge, South, Constitution. Phone: (719) 550-6314. Office: 800-525-9623 ext 6314. Check the background of this investment professional on FINRA BrokerCheck. *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

BRAD SOVA, CRPC®

Email: bradley.sova@dfcufinancial.comPhone: (313) 322-8236. Check the background of this investment professional on FINRA BrokerCheck. Brad is here to help you identify and achieve your financial goals. He can assist you with retirement planning, funding a child’s education, tax-efficient investing or simply general investment planning. SCOTT HINMAN AT NEFCU A life-long Vermonter and proud Veteran, Scott Hinman is a CFS* Financial Advisor at NEFCU Financial Group. Scott has more than 17 years of experience serving clients in the areas of insurance, investments, retirement distribution, and college planning. Scott also has a passion for helping people improve their financial situation

through sound

LOGIN TO YOUR ACCOUNTS Allowing you to manage and view all of your accounts in one convenient location. Login. 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

LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. MPV CUSO from Atria

Wealth on Vimeo.

LOGIN TO YOUR ACCOUNT Login to Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login *Non-deposit investment products and services are offered through CUSO HOMEPAGE | CUSO FINANCIAL SERVCIES *Non-deposit investment products and services are offered through either CUSO Financial Services, L.P. (“CFS”) or Sorrento Pacific Financial, LLC (“SPF”), registered broker-dealers (Member FINRA / SIPC) and SEC Registered Investment Advisors. Investments products are not federally insured, not guarantees or obligations of the bank or credit union, and may involve investment risk HOMEPAGE | APPLE FEDERAL CREDIT UNION *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 LOGIN TO YOUR ACCOUNTS Clear 1. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. HOMEPAGE | ENT INVESTMENT SERVICES The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon

compliance

TEAM | DFCU FINANCIAL PARTNERS *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

TRUST BASICS

Trust Basics. Articles, Estate Planning. Whether you’re seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility–many types of trusts exist, each designed for a specific purpose.

UNDERSTANDING IRAS

Understanding IRAs. An individual retirement arrangement (IRA) is a personal savings plan that offers specific tax benefits. IRAs are one of the most powerful retirement savings tools available to you. Even if you’re contributing to a 401 (k) or other plan at work, you should also consider investing in an IRA. CUSO FINANCIAL SERVICES Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CLEAR1 | CUSO FINANCIAL SERVICES AND SORRENTO PACIFICCUSO FINANCIAL SERVICES COMPLAINTSCUSO FINANCIAL SERVICES INCCUSO FINANCIAL SERVICES LPCUSO FINANCIAL SERVICES PERSHING Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and LOGIN TO YOUR ACCOUNTS *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 LOGIN TO YOUR ACCOUNTS 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 SERVICES

When do I need to meet my retirement goals? Learn More Calculate what you need to save today Now is the time to start saving Calculate the impact of your investment return Learn More Let us guide you on your journey Learn more about Deseret First Wealth Management available through CFS* Learn More Create a plan that can help attain your goals Calculate what your 401k may be worth Learn More LOGIN TO YOUR ACCOUNTS *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 HOMEPAGE | APPLE FEDERAL CREDIT UNION *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

BRAD SOVA, CRPC®

Email: bradley.sova@dfcufinancial.com Phone: (313) 322-8236 SCOTT HINMAN AT NEFCU A life-long Vermonter and proud Veteran, Scott Hinman is a CFS* Financial Advisor at NEFCU Financial Group. Scott has more than 17 years of experience serving clients in the areas of insurance, investments, retirement distribution, and college planning.

CARLO BOTON CFP®

Email: cboton@ccu.com Phone: (858) 769-7938 Branches Locations: South Bay and Imperial Beach CA Insurance LIC# 0C85060 CUSO FINANCIAL SERVICES Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and CLEAR1 | CUSO FINANCIAL SERVICES AND SORRENTO PACIFICCUSO FINANCIAL SERVICES COMPLAINTSCUSO FINANCIAL SERVICES INCCUSO FINANCIAL SERVICES LPCUSO FINANCIAL SERVICES PERSHING Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org) / SIPC (www.sipc.org) and SEC Registered Investment Advisors.Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and LOGIN TO YOUR ACCOUNTS Allowing you to manage and view all of your accounts in one convenient location. Login. 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

LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login.

INVESTMENT SERVICES

When do I need to meet my retirement goals? Learn More Calculate what you need to save today Now is the time to start saving Calculate the impact of your investment return Learn More Let us guide you on your journey Learn more about Deseret First Wealth Management available through CFS* Learn More Create a plan that can help attain your goals Calculate what your 401k may be worth Learn More LOGIN TO YOUR ACCOUNTS Clear 1. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. HOMEPAGE | APPLE FEDERAL CREDIT UNION *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

BRAD SOVA, CRPC®

Email: bradley.sova@dfcufinancial.comPhone: (313) 322-8236. Check the background of this investment professional on FINRA BrokerCheck. Brad is here to help you identify and achieve your financial goals. He can assist you with retirement planning, funding a child’s education, tax-efficient investing or simply general investment planning. SCOTT HINMAN AT NEFCU A life-long Vermonter and proud Veteran, Scott Hinman is a CFS* Financial Advisor at NEFCU Financial Group. Scott has more than 17 years of experience serving clients in the areas of insurance, investments, retirement distribution, and college planning. Scott also has a passion for helping people improve their financial situation

through sound

CARLO BOTON CFP®

Email: cboton@ccu.com Phone: (858) 769-7938 Branches Locations: South Bay and Imperial Beach CA Insurance LIC# 0C85060 HOMEPAGE | ENT INVESTMENT SERVICES The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon

compliance

LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. MPV CUSO from Atria

Wealth on Vimeo.

HOMEPAGE | INTOUCH CREDIT UNION *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 HOMEPAGE | APPLE FEDERAL CREDIT UNION *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 LOGIN TO YOUR ACCOUNTS *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 LOGIN TO YOUR ACCOUNTS *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 HOMEPAGE | DAY AIR CREDIT UNION *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 NEFCU FINANCIAL INVESTMENT CENTER The NEFCU Financial Investment Center is your investments resource. User our tools to learn more about your finances and connect with one

of our consultants.

LOGIN TO YOUR ACCOUNTS Clear 1™. Wherever you may be, this complimentary service provides you with 24-hour online viewing of your investments with CUSO Financial Services, L.P. (CFS). Allowing you to manage and view all of your accounts in one convenient location. Login. HOMEPAGE | DFCU FINANCIAL PARTNERS The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon

compliance

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Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) or Sorrento Pacific Financial, LLC ("SPF"), registered broker-dealers (Member FINRA (www.finra.org ) / SIPC (www.sipc.org ) and SEC Registered Investment Advisors. Products offered through CFS and SPF: are not federally insured, are not guarantees or obligations of banks or credit unions, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS or SPF. Credit Unions and Banks have contracted with CFS and SPF to make non-deposit investment products and services available to credit union members and bank customers. Atria Wealth Solutions ("Atria") is not a registered broker-dealer or Registered Investment Advisor. CUSO Financial and Sorrento Pacific are subsidiaries of Atria. We are using cookies to give you the best experience on our website. You can find out more about which cookies we are using or switch them

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