Please consider the investment objectives, risks, charges, and expenses of an investment company carefully before investing. The prospectus contains this and other information about an investment company and will be available at the seminar. Please read prospectus carefully before investing.

Keep in mind this program is intended to be used as a guide and is no guarantee of individual results as it is possible to lose money by investing in mutual funds. Returns, however, on all investment products will fluctuate. Investment return and principal will fluctuate and your investment value may be more or less than the original investment.

Prospectus for Mutual Funds and Variable Annuities will be available at the seminar. The prospectus contains complete information on the Mutual Fund or Variable Annuity’s investment objective(s), the risk associated with the investment, the fees, charges and expenses involved, as well as other information. You consider this information and read the prospectus carefully before investing.

Securities offered exclusively through Raymond James Financial Services, Member FINRA/SIPC, an independent broker/dealer, and are: not NCUA insured; not guaranteed by the United Nations Federal Credit Union; subject to risk and may lose value. Investments made and products sold via the Investment Centre are not FDIC/NCUA insured and are subject to risks, including the possible loss of principal. 2 UN Plaza Room 309, New York, NY 10017. Telephone: + 1 212- 476-8700


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