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Office: (620) 340-9925

Fax: 6203409978

801 Merchant Street

PO Box 807

Emporia, KS 66801

fred@esb-invest.com

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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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Important Consumer Information

A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator. Registered Branch: 620.340.9925.

*Securities offered through Osaic Wealth, Inc., member FINRA/SIPC. Certain insurance products offered through ESB Insurance & Financial Services, which is not registered as a broker-dealer or investment advisor. ESB Insurance & Financial Services and ESB Financial are not affiliated with Osaic Wealth, Inc. Securities are not FDIC Insured, not guaranteed, and may lose value.

This communication is strictly intended for individuals residing in the states of AZ, AR, CA, CO, FL, GA, IL, IN, IA, KS, KY, MO, NE, NJ, OH, OK, SC, TX & UT. No offers may be made or accepted from any resident outside the specific state(s) referenced.