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
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.