Asset Oversight*

As with all investments, investments through Ceros Financial Services, Inc. are subject to market fluctuations. However, there are some asset safeguards for your clients' protection, including:

Securities Investors Protection Corporation (SIPC)**
The Securities Investors Protection Corporation (SIPC) is a non-profit corporation that provides account protection to customers of registered broker/dealers. SIPC protects investors against losses that stem from the financial failure of a brokerage company. Customers of Ceros Financial Services, Inc. are provided the following SIPC insurance:

• Securities in accounts carried for Ceros Financial Services, Inc. by National Financial Services, LLC, a Fidelity Investments company, are protected by SIPC up to $500,000 (including cash claims limited to $100,000). Additional insurance protection has been arranged for cash and securities to supplement SIPC coverage.
  
• Neither coverage protects against a decline in the market value of securities.

* Some assets are not guaranteed by federal agencies. Fund shares are not FDIC insured and are not deposits or other obligations of, or guaranteed by, any bank. Fund shares involve investment risk, including possible loss of principal.

** Ceros Financial Services, Inc. is a member of The Securities Investor Protection Corporation (SIPC), which protects securities customers for its member up to $500,000 (including $100,000 for claims for cash). An explanatory brochure is available upon request or at www.sipc.org.