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IMPORTANT: This report is prepared for general circulation and is for informational purposes only. It is not intended as an offer or solicitation for the purchase or sale of any financial instrument or service. Market prices and other data may be obtained from outside sources and is not warranted as to completeness or accuracy. Past performance does not guarantee future results. Any comments, statements and/or recommendations made herein are subject to change without notice. Ratings on bonds can and will change over time; we may not notify you of such changes. Cash flows may be intermittent on certain securities. If sold prior to maturity, principal and yield will vary. We do not pass on the suitability of any bond position. All prices, yields and availability are subject to market movement and/or prior sale. Entering an order or requesting a bid does not guarantee a purchase or sale at that price. The firm may make a market or own certain securities on their own account.