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This material is provided for informational and discussion purposes only. Trust services are offered through Alerus Financial, N.A. (Alerus), which does not provide legal or tax advice. Be sure to consider the potential benefits and limitations of each option regarding the handling of your assets. Please consult your tax or legal advisor to determine how this information may apply to your own situation. The
information should not be relied upon as investment advice. Statements of fact are from sources considered reliable, but no representation or warranty is made as to their completeness or accuracy.

Investment products: 1) not FDIC insured, 2) not guaranteed by bank, 3) may lose value.