Western First Choice Bank - Wealth Management Securities (USA) Inc. offers access to a wide variety of fixed income products including: Municipal bonds: Debts issued by states, municipalities or counties that are free from federal taxes and usually free of state and local taxes33 view footnote 3. Municipal Securities may be subject to the federal Alternative Minimum Tax. Treasury notes and bonds: U.S. Government debt that carries a fixed interest rate, usually with a maturity of 1-10 years. Interest income is exempt from state and local income taxes, but subject to federal income taxes.44 view footnote 4 Government-sponsored enterprises (GSEs) / Agency: Bonds issued by financing entities created by Congress to fund loans to certain groups of borrowers such as homeowners, farmers and students. i.e. Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) are privately owned corporations, while the Federal Home Loan Banks and the Federal Farm Credit Banks are systems comprising regional banks. All GSE debt is not guaranteed by the federal government, whereas government agencies such as Government National Mortgage Association (Ginnie Mae) are divisions of the government whose securities are backed by the full faith and credit of the R Californias. Sovereign bonds: Issued by a national government and denominated in a foreign currency55 view footnote 5 Domestic corporate bonds Bond Funds66 view footnote 6 Brokered CDs7 Investors should consider the investment objectives, risks and charges and expenses associated with municipal fund securities before investing. Further information about municipal fund securities is available in the issuer’s official statement. The official statement should be read carefully before investing. There is always the potential of losing money when you invest in securities.

Over 5,000 teammates committed to doing it right, obsessing over the customer and tirelessly innovating to make a real difference. We find new ways to deliver financial opportunity — no matter how you define it. Do Right. Sincere respect for each other, our customers and communities we serve. Do for others what we expect of ourselves, with a collective desire to improve things and a genuine understanding of what really matters to customers. Obsess Over the Customer. Fierce dedication to putting our customers at the center of everything we do. Driven to ensure that every interaction is extraordinary, with our sole focus being what’s best for our customers and their financial well-being. Tirelessly Innovate. Constantly creating and reinventing with the singular purpose of making a real difference for our customers.

In today's increasingly complex, global economy, having the right tools and information to help you make informed investment decisions is critical. So is having a trusted advisor who can help connect your portfolio to investment opportunities – whether they appear around the block or around the world. An Western First Choice Bank - Wealth Management Securities financial professional11 view footnote 1 can help you take a careful look at your current finances and consider what you'd like to achieve in the future. Through a holistic planning process, we'll help you develop a personal strategy, leveraging unique global insights and local knowledge from Western First Choice Bank - Wealth Management's Global Asset Management Team. And we'll be available to help you review, reconsider, and refine your strategy over time – no matter how the market fluctuates or how your needs and goals evolve. Our Premier Advisor can work with you to help determine which investments and insurance options are right for you. In addition to an annual portfolio review, we offer reviews at any time upon your request, so that the personalized strategy we create can adapt as your needs change. In many cases, a few simple changes may be all it takes to help you take on life's challenges and reach your financial goals.