With the multitude of investments currently available, you need the knowledge and experience to make careful investment decisions in order to work toward your long-term financial goals.

An investment professional is conveniently located in your local Cole Taylor Bank branch and is eager to meet with you – with absolutely no obligation. They will personally work with you to help you build an investment strategy, understand your options, and help you make informed decisions.

Through Investment Services at Cole Taylor Bank offered through our broker/dealer LPL Financial, you’ll gain access to a full range of products and services.

To learn more about each product or service, browse through the list below and click on the appropriate hyperlink in the 'More Information' column.

Before making any investment decision, speak with an investment professional to help you design an asset allocation strategy based on your financial objectives and risk tolerance.

Now is the time to get started on the path to smart investing.
Take advantage of a complimentary financial consultation today.

You should carefully consider your investment objectives and your risk tolerance before investing. The performance of these investments will, in fact, fluctuate with market conditions.

The above information is provided to you for informational purposes only. This does not constitute a recommendation and should not be construed as investment advice for which you should speak with a qualified financial consultant.

Investment Services at Cole Taylor Bank is a service of LPL Financial. Securities and Insurance products are offered through LPL Financial and its affiliates, a registered investment advisor, Member FINRA/SIPC. Annuities are underwritten by unaffiliated insurance companies and all guarantees are based on the claims paying ability of the insurance company. Cole Taylor Bank is not a registered broker / dealer and is not affiliated with LPL Financial. Click here for information on contacting LPL Financial.

Fixed Rate Annuities*

Are you looking for a product that can help reduce your current taxes and offer a guaranteed rate of return?

If you are, then a tax deferred fixed rate annuity may be the right choice for you.

Tax deferred annuities are retirement savings vehicles, designed specifically to address the uncertainties of retirement income planning:

• How much money will I need to live a comfortable retirement?
• Will I outlive my income?
• How can I protect my family after I'm gone?

Fixed annuities are issued and guaranteed by insurance companies. They offer competitive interest rates, with all the interest accumulating tax-deferred for the life of the annuity. In this way, your earnings remain in your annuity and compound without being taxed, so your money is able to earn more over time (provided no withdrawals are taken).

In addition, annuities generally offer you:

• Guaranteed minimum death benefit, in the event of premature death
• Access to a pre-determined percentage of your money (according to individual products, typically 10% penalty free per year)
• Ability to convert your annuity into an income stream - payments for life, or payments for a certain period

To learn more about fixed rate annuities and how they may help you reach your retirement goals, visit any Cole Taylor Bank branch to speak with a Financial Consultant.

*Annuities are long-term vehicles designed for retirement purposes. The benefits of tax deferral in an annuity do not apply to contracts purchased as an Individual Retirement Annuity (IRA) or inside some other tax-qualified retirement plan because these plans already have tax deferred status. Withdrawals of taxable amounts are subject to income tax and if taken prior to age 59 ½ may also be subject to an additional 10% IRS penalty and any applicable surrender charges.

You should carefully consider your investment objectives and your risk tolerance before investing. The performance of these investments will, in fact, fluctuate with market conditions.

The above information is provided to you for informational purposes only. This does not constitute a recommendation and should not be construed as investment advice for which you should speak with a qualified financial consultant.

Investment Services at Cole Taylor Bank is a service of LPL Financial. Securities and Insurance products are offered through LPL Financial and its affiliates, a registered investment advisor, Member FINRA/SIPC. Annuities are underwritten by unaffiliated insurance companies and all guarantees are based on the claims paying ability of the insurance company. Cole Taylor Bank is not a registered broker / dealer and is not affiliated with LPL Financial. Click here for information on contacting LPL Financial.

This Web site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

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Variable Rate Annuities

Are you interested in reducing your taxes, while also benefiting from the growth potential of the stock market?

If so, then consider a variable annuity.

Variable rate annuities are retirement savings vehicles that combine the benefits of investing in the stock market with the protection options of life insurance.

A variable rate annuity is a contract between an investor and a life insurance company. With a variable rate annuity, you have the opportunity to invest in a range of “sub-accounts”. They are professionally managed funds that include a range of securities. You can select the sub-accounts* that best reflects your investment needs: growth, income, etc.

A variable rate annuity also allows for transfer privileges enabling you to move your money from one fund to another as your goals change from growth to income.

Variable annuities allow you to accumulate assets on a tax-deferred basis, so your earnings benefit from being reinvested, and compounding for the life of the contract. All earnings are taxed at withdrawal**, rather then when earned.

Many of today’s variable annuities also provide additional protection features for an additional charge, including:

• Guarantee*** of your original investment amount, to protect your original investment from loss in the event of stock market declines
• Ability to "lock-in" any market gains at a pre-determined time (typically five years from opening the contract)

To learn more about variable annuities and how they may help you reach your retirement goals, visit any Cole Taylor Bank branch to speak with a Financial Consultant.

For more complete information about variable annuities including charges, expenses, investment objectives, operating policies and risks please obtain a prospectus from your Financial Consultant. Please read the prospectus carefully before investing or sending money. Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options. The contract prospectus and the underlying fund prospectuses provide this and other important information.

Withdrawals during the early years of the contract may be subject to surrender charges.

*Investments in variable sub accounts will fluctuate and when redeemed, may be more or less than their original value.

**All withdrawals of taxable amounts are subject to ordinary income tax and withdrawals made prior to age 59 ½ may incur a 10% tax penalty.

***Any guarantees are backed by the claims paying ability of the insurer. Policy qualifications and restrictions may apply.

You should carefully consider your investment objectives and your risk tolerance before investing. The performance of these investments will, in fact, fluctuate with market conditions.

The above information is provided to you for informational purposes only. This does not constitute a recommendation and should not be construed as investment advice for which you should speak with a qualified financial consultant.

Investment Services at Cole Taylor Bank is a service of LPL Financial. Securities and Insurance products are offered through LPL Financial and its affiliates, a registered investment advisor, Member FINRA/SIPC. Annuities are underwritten by unaffiliated insurance companies and all guarantees are based on the claims paying ability of the insurance company. Cole Taylor Bank is not a registered broker / dealer and is not affiliated with LPL Financial. Click here for information on contacting LPL Financial.

This Web site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

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Immediate Annuities

Are you looking for a product that can translate your retirement savings into retirement income?

If you are, then an immediate annuity may be right for you.

Immediate annuities are contracts between an individual and an insurance company. With an immediate annuity, you exchange a lump-sum of money for a guaranteed income stream. The insurance company takes ownership of your money, and agrees to pay you a set amount of income, for a pre-determined amount of time. That may vary from:

• Five Years
• Ten Years
• Income for Life

Upon exchanging your money, the insurance company will begin paying you income almost immediately.

To learn more about immediate annuities and how they may help you reach your long-term financial goals, visit any Cole Taylor Bank branch to speak with a Financial Consultant.

You should carefully consider your investment objectives and your risk tolerance before investing. The performance of these investments will, in fact, fluctuate with market conditions.

The above information is provided to you for informational purposes only. This does not constitute a recommendation and should not be construed as investment advice for which you should speak with a qualified financial consultant.

Investment Services at Cole Taylor Bank is a service of LPL Financial. Securities and Insurance products are offered through LPL Financial and its affiliates, a registered investment advisor, Member FINRA/SIPC. Annuities are underwritten by unaffiliated insurance companies and all guarantees are based on the claims paying ability of the insurance company. Cole Taylor Bank is not a registered broker / dealer and is not affiliated with LPL Financial. Click here for information on contacting LPL Financial.

This Web site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

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Mutual Funds

Looking for an investment that provides diversification?

Then consider a mutual fund.

When you purchase shares of a mutual fund, your dollars are invested in a large number of companies all at once, and your investment risk is spread out over many stocks and companies, not just one.

Mutual funds pool money from a range of small investors, to invest in the market. When you invest in a mutual fund, not only do you get diversification*, but also you benefit from the expertise of professional money managers. Each fund has one or more managers who are trained in money management and review the fund’s performance and make up on an ongoing basis.

Mutual funds appeal to many investors because of their liquidity: they are readily available and easy to sell. With mutual funds you can cash in your shares, in all or in part, at any time for the current market value. In this way, you always know that you can get access to your funds should it become necessary. **

Mutual funds offer the opportunity for growth, but also involve certain risks. Over the years, many funds have been proven to perform consistently better than investments made by individuals who may not have the benefit of professional money management, diversification and liquidity***. Therefore, mutual funds are suitable for investing for future needs, like retirement.

To learn more about mutual funds and how they may help you reach your long-term financial goals, visit any Cole Taylor Bank branch to speak with a Financial Consultant.

For more complete information about mutual fund shares, including charges, expenses, investment objectives and operating policies, and risks please obtain a prospectus from your Financial Consultant. Please read the prospectus carefully before investing or sending money. Investors should carefully consider the investment objectives, risks, charges and expenses before investing and that the prospectus contains this and other information about the investment company.

* While diversification is an important risk management tool, it cannot guarantee protection against losses.

** Returns and principal value may fluctuate, resulting in a gain or loss on sale. Proceeds on sales may be less than your original cost. Sales charges may apply.

*** Past performance is no guarantee of future results.

You should carefully consider your investment objectives and your risk tolerance before investing. The performance of these investments will, in fact, fluctuate with market conditions.

The above information is provided to you for informational purposes only. This does not constitute a recommendation and should not be construed as investment advice for which you should speak with a qualified financial consultant.

Investment Services at Cole Taylor Bank is a service of LPL Financial. Securities and Insurance products are offered through LPL Financial and its affiliates, a registered investment advisor, Member FINRA/SIPC. Annuities are underwritten by unaffiliated insurance companies and all guarantees are based on the claims paying ability of the insurance company. Cole Taylor Bank is not a registered broker / dealer and is not affiliated with LPL Financial. Click here for information on contacting LPL Financial.

This Web site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

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Life Insurance

Have you thought about what would happen in the event of your death?

• Would your spouse be comfortable living on your retirement savings?
• Is your family prepared to pay estate taxes after you are gone?
• Will your family have the resources to support their current lifestyle in the case of your premature death?

Or,
• Should something happen to your business partner, could you take full control of the company legally?

Life insurance can help to protect the people you love and the things you have worked so hard for. Life insurance can provide you with the peace of mind of knowing that your loved ones will be provided for after you are gone.

When planning your insurance coverage, you should consider:

• The amount of money you need to provide for your family
• The available cash flow you have to pay for coverage
• The time period for which you need coverage

The LPL Financial Consultants at Cole Taylor Bank can help you define your life insurance needs, and help you choose from a wide range of insurance products including term, whole life, universal life and long-term care, to name a few.

To learn more about life insurance products and how they may help you reach your long-term financial goals, visit any Cole Taylor Bank branch to speak with a Financial Consultant.

You should carefully consider your investment objectives and your risk tolerance before investing. The performance of these investments will, in fact, fluctuate with market conditions.

The above information is provided to you for informational purposes only. This does not constitute a recommendation and should not be construed as investment advice for which you should speak with a qualified financial consultant.

Investment Services at Cole Taylor Bank is a service of LPL Financial. Securities and Insurance products are offered through LPL Financial and its affiliates, a registered investment advisor, Member FINRA/SIPC. Annuities are underwritten by unaffiliated insurance companies and all guarantees are based on the claims paying ability of the insurance company. Cole Taylor Bank is not a registered broker / dealer and is not affiliated with LPL Financial. Click here for information on contacting LPL Financial.

This Web site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

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Stocks
Bonds

Are you looking for ways to invest your hard-earned money with the potential to earn higher returns?

If you are, an investment in stock or bonds may be an option. Please keep in mind as with all investments, the greater potential for return, the higher the risk you assume. An investment in common stock usually entitles the owner the right to vote at shareholder meetings and to receive any dividends that are declared by the company. Conversely, a purchase of bonds issued by a corporation, government, or municipality provides the investor a certificate or bond that states a specific interest rate will be paid and when the loaned funds will be returned to the investor.

Brokerage accounts allow various investment vehicles to be housed in one account. In addition to mutual funds, brokerage accounts can hold stock, which entitle the shareholder ownership of a corporation represented by the number of shares that are a claim on the corporation's earnings and assets. This ownership gives the shareholder certain rights, including voting on important matters before the company and participating in the profits if the company distributes dividends. When you own stock, you participate in the growth of the company. As the value of the company increases, so does your investment. If profits increase, you may receive bigger dividend checks. A possible risk for stockholders is that although there is the potential for gain, there is also equal potential for loss.

Another vehicle which can be purchased and held in a brokerage accounts are bonds. Bonds are interest-bearing debt securities which obligate the issuer to pay the bondholder a specified sum of money, usually at specific intervals, and to repay the principal amount of the loan at maturity. Bondholders have an IOU from the issuer, but no corporate ownership privileges, as stockholders do. The primary advantage as a creditor is a higher claim on assets than that of stockholders. A disadvantage is that bondholders do not share in the profits if a company should do well. They are only entitled to the original principal plus interest. Generally, there is less risk in owning bonds compared to owning stocks, but this comes at the cost of a lower return.

The LPL Financial Consultants at Cole Taylor Bank can help you learn more about the factors below that play a role in determining the value of stocks or bonds and the extent to which it fits into your investment portfolio.

• Amount invested
• Length of time invested
• Rate of return or growth
• Less fees, taxes, inflation, etc.

To learn more about stocks and bonds, visit any Cole Taylor Bank branch to speak with a Financial Consultant.

Investments in bonds will decline as interest rates rise.

You should carefully consider your investment objectives and your risk tolerance before investing. The performance of these investments will, in fact, fluctuate with market conditions.

The above information is provided to you for informational purposes only. This does not constitute a recommendation and should not be construed as investment advice for which you should speak with a qualified financial consultant.

Investment Services at Cole Taylor Bank is a service of LPL Financial. Securities and Insurance products are offered through LPL Financial and its affiliates, a registered investment advisor, Member FINRA/SIPC. Annuities are underwritten by unaffiliated insurance companies and all guarantees are based on the claims paying ability of the insurance company. Cole Taylor Bank is not a registered broker / dealer and is not affiliated with LPL Financial. Click here for information on contacting LPL Financial.

This Web site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

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