IMPORTANT NOTICE

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Schwab is a registered broker-dealer, and is not affiliated with Bay City Financial Services* or any advisor(s) whose name(s) appear(s) on this website. Bay City Financial Services is/are independently owned and operated. Schwab neither endorses nor recommends any particular advisor or investment strategy. Schwab has agreements with Bay City Financial Services under which Schwab provides Bay City Financial Services with services related to your account. Schwab does not review the Bay City Financial Services website(s), and makes no representation regarding information contained in the Bay City Financial Services website, which should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.