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Dear Joseph,

We're excited to welcome you to Gurtin Municipal Bond Management's online account management platform, My Gurtin! As a municipal bond manager with a singular focus on municipal investments and a commitment to providing complete comfort in our clients' municipal portfolios, we have created My Gurtin to assist us in delivering the highest quality of service whenever you need it. To confirm and access your online account on My Gurtin, please click the link below:

Confirm My Gurtin Account

As a note, My Gurtin is only accessible once confirmed through the link above. Once confirmed, you may begin accessing the following documents and resources, enabling you to:

• Request an analysis of prospective client portfolios
• Get insight into which Gurtin investment strategy might best fit your needs
• Access a more extensive library of Gurtin's independent research
• Manage email subscriptions to customize your Gurtin experience
• Request a conversation with our Advisory Services team

As always, if you have any questions or need any additional assistance, please do not hesitate to contact us at ClientService@gurtin.com. Thank you, and we appreciate your interest in our firm.

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Gurtin Municipal Bond Management
San Diego | Chicago
1.866.606.2221

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The opinions to be expressed represent an assessment of the market environment at a specific time and are subject to change without notice. The opinions are not intended to be a forecast of future events, or a guarantee of future results and should not be relied upon as investment advice. Each investor should make his or her own investigation and evaluation of the investments and investment strategies described, including the merits and risks thereof. The presentation provides general information only without regard to specific investment objectives or the financial circumstances of any particular recipient. This presentation should not be construed as tax, financial, accounting or legal advice. Investors should seek such professional advice for their particular circumstances. This presentation does not constitute a recommendation or an offer to sell or a solicitation of an offer to buy any securities in any jurisdictions. Neither the U.S. Securities and Exchange Commission ("SEC") nor any other federal or state agency or non-U.S. commission has confirmed the accuracy or determined the adequacy of this report.

In considering any prior performance information, historical or hypothetical, contained herein, investors should bear in mind that prior performance does not guarantee nor is it indicative of future results.

Market volatility can significantly affect performance. Investments are subject to market fluctuations and economic conditions, and may lose value. Investing in bonds involve certain risks, including the credit quality of individual issuers, negative market or economic developments and yield and price fluctuations due to changes in interest rates. Bonds decrease in value as interest rates rise.

Gurtin Fixed Income Management, LLC dba Gurtin Municipal Bond Management is an investment adviser registered with the U.S. Securities and Exchange Commission.