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Each week the LPL Financial Research team assembles thoughtful insight on market news.

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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CBI Bank & Trust ("Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. CBI Bank & Trust and CBI Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using CBI Investment Services, and may also be employees of CBI Bank & Trust. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of CBI Bank & Trust or CBI Investment Services. Securities and insurance offered through LPL or its affiliates are:

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