Ask your Financial Advisor for a Disclosure Brochure and Client Agreement which further outline the fees, services, and disclosures associated with these programs. Investors should consider all terms and conditions before deciding whether a fee-based program is appropriate for their needs. Stifel offers both commission-based and fee-based accounts, as outlined in Stifel’s Customer Relationship Summary (Form CRS) available at Fee-based programs are generally subject to a minimum investment. When investing in bonds and interest rate-sensitive securities, it is important to note that as interest rates rise, prices will fall. Unless otherwise specified, products purchased from or held by Stifel are not insured by the FDIC, are not deposits or other obligations of Stifel Banks, are not guaranteed by Stifel Banks, and are subject to investment risk, including possible loss of the principal. Unless otherwise specified, references to Stifel may mean Stifel Financial Corp. Stifel Bank, Member FDIC, Equal Housing Lender, NMLS# 451163, is affiliated with Stifel Bank & Trust, Member FDIC, Equal Housing Lender, NMLS# 375103, and Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE, each a wholly owned subsidiary of Stifel Financial Corp. Stifel’s banking and lending services are provided by Stifel Bank and Stifel Bank & Trust (collectively Stifel Banks). You should consult with your legal and tax advisors regarding your particular situation. Stifel does not offer legal or tax advice. The prospectus, which contains this and other important information, is available from a Stifel Financial Advisor and should be read carefully before investing. Investors should consider the investment objective, risks, charges, and expenses carefully before investing. Mutual funds are offered by prospectus only. Investing involves risk, including the possible loss of principal invested. Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | Your Privacy | Important Disclosures
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