Advisors may receive commissions, bonuses or other compensation based on the sale of securities or insurance, including distribution or service fees from the sale of mutual funds. They may receive a fee for personalized investment advisory services and financial planning services provided through our Tailored Professional Services program. And they may also receive compensation from First Command Bank, in recognition of their efforts to promote banking relationships. We recognize that there is a potential for conflict of interest when offering investment advisory services while also being compensated for the sale of securities, insurance and banking products. With this in mind, First Command maintains policies and procedures to ensure that any recommendations made to you are in your best interests and consistent with First Command's fiduciary standards. For details regarding fees, please see the Fees and Compensation section on page 5 of our Description of Services brochure.