Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC marketed as Addison Avenue Investment Services and are not insured by any credit union insurance, the NCUA or any other government agency, are not deposits or obligations of the credit union are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. First Tech Federal Credit Union and the Addison Avenue Investment Services are separately owned and operated and not independently registered as broker-dealers or investment advisers.

First Tech Federal Credit Union is not a current client of Raymond James. First Tech and Raymond James have entered into an agreement in which First Tech refers potential clients in exchange for a referral fee. Should you become a client, First Tech would receive compensation. First Tech's receipt of this compensation creates an incentive for First Tech to refer you to Raymond James rather than to other investment advisors with which it does not have similar referral arrangements, and a conflict of interest because First Tech will only receive this compensation if you become a Client of Raymond James. You will receive additional detailed disclosures regarding the referral arrangement prior to compensation being paid to First Tech.