Wealth management services are offered by MB Financial Bank, N.A. and its wholly owned subsidiary MSA Holdings, LLC (“MSA”) through
MSA’s subsidiaries MainStreet Investment Advisors, LLC ("MainStreet") and Cedar Hill Associates, LLC ("Cedar Hill"), collectively "MB."
MainStreet and Cedar Hill are Registered Investment Advisors with the Securities Exchange Commission.
The information and opinions in this document are not investment advice or an offer for advisory services. They are not recommendations for
any account or recommendations or solicitations to buy or sell any security. The securities and financial instruments and strategies described in
this document may not be suitable for a client or appropriate at all times. This information is not intended to be used as a general guide to
investing, or as a source of specific investment recommendations. Appropriate investment strategies depend upon the client’s investment
objectives. MB makes no express or implied representation or warranty and accepts no liability for any loss (whether direct or consequential)
arising from any use of this document. MB takes no responsibility for any errors or omissions which may be contained in the document.
The portfolio risk management process and the process of building efficient portfolios include monitoring and managing risk, but do not imply
low or no risk. All charts are for educational purposes only and should not be used to predict security prices or market levels. Any suggestion of
cause and effect or of the predictability of economic or investment cycles is unintentional.
Opinions expressed are MB's current opinions on the date published. The graphs, data, or information is considered reliably sourced, but no
representation is made that it is accurate or complete, and should not be relied upon as such. This information is subject to change at any time.
The information expressed may include “forward-looking statements” which may or may not be accurate over the long term. There is no
guarantee that the statements, opinions or forecasts in this document will prove to be correct. Actual results could differ materially from those
described. Diversification does not ensure a profit and may not protect against loss, including loss of principal.
Traditional and Modern Portfolio Theory (“MPT”) statistics include various indices that are unmanaged and are a common measure of
performance of their respective asset classes. The indices are not available for direct investment. Past performance is not indicative of future
results, which may vary. The value of and income derived from investments can go down as well as up. Future returns are not guaranteed, and
a loss of principal may occur. Investing for short periods may make losses more likely.
Any investments purchased or sold are not deposit accounts and are not endorsed by or insured by the Federal Deposit Insurance
Corporation (FDIC), are not obligations of MB Financial Bank, N.A., are not guaranteed by MB Financial Bank, N.A. or any other entity and
involve investment risk, including possible loss of the principal amount invested.