Within 30 calendar days of your Guided Investing account being funded for 30 consecutive days, a $50 cash bonus will be paid to your Primary Share Account at People First. Your Guided Investing account and your share account at People First must be open and funded at the time the cash bonus is paid.

The Offer is only valid on Guided Investing accounts. Other accounts available through Copper Financial are not eligible for the Offer. The Offer is only valid on individual, joint, Traditional IRA or Roth IRA Guided Investing accounts. Employees of Copper Financial, People First, and any affiliate of Copper Financial and People First are eligible to qualify for the Offer. You are responsible for selecting the account registration that is appropriate based on your personal situation. Limit one Offer per member, regardless of the number of accounts opened and funded during the offer period. At its sole discretion, Copper Financial reserves the right to pay the Offer for new Guided Investing accounts if the account is funded from a source other than a transfer from a bank account.

You should consider the features of a Guided Investing account prior to account opening. This Offer does not constitute a recommendation by Copper Financial as to whether a Guided Investing account is appropriate for your personal situation.

For additional information on Guided Investing please see our Frequently Asked Questions. If you have questions about Guided Investing, please contact us at digital@cu.financial or 833.605.6681.

Cash bonuses credited to your People First account associated with your social security number or tax identification number, as applicable, totaling $600 or more within a calendar year will appear on your consolidated Form 1099. You should consult with your tax professional about appropriate tax reporting and treatment relating to this cash bonus. Any taxes resulting from the cash bonus are your responsibility.

Terms & Conditions are subject to change and this offer may be withdrawn without notice. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

^Disclosures:

^{To learn more about Copper Financial and its financial representatives, visit FINRA BrokerCheck.}

^{There is a .25% annual management fee for assets under management. Please see our Brokerage Fee Schedule for information on account servicing and maintenance fees that will also apply to your account. The ETFs in your account are also subject to expenses charged by the manager of the ETFs. See the Guided Investing Wrap Fee Program Fee Brochure for a full discussion of all associated fees and expenses.}

^{Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), an SEC registered investment adviser. Member FINRA/SIPC.  People First Federal Credit Union (“People First”) has contracted with Copper Financial to make non-deposit investment products and services available to its members. People First and People First Financial Solutions are not broker-dealers or investment advisers and are not affiliated with Copper Financial.}

^{All investing involves risk, including the possible loss of money you invest. Past performance is not a guarantee or indication of future performance.}

^{Guided Investing is an investment advisory service offered by Copper Financial. For additional information on Guided Investing please see our Additional Disclosures.}

^{Wealth Advisors are able to offer different advisory, securities, and insurance products. Account minimums and fees for products available through a Wealth Advisor vary by product.}

^{Please review our Customer Relationship Summary for information on the products and services we offer and the nature of the relationship we have with our clients.}

^{Investment and insurance products offered through Copper Financial:}

Are Not Credit Union Deposits or Obligations

Are Not NCUA or otherwise Federally Insured

Are Not Credit Union Guaranteed

May Lose Value

^{Copper Financial Network, LLC (“Copper Financial”) has an agreement with People First Federal Credit Union (“People First”) whereby Copper Financial offers investment products and services to members of People First that are referred to Copper Financial by People First. Copper Financial does not pay a referral fee to People First for referrals that lead to the opening of Guided Investing accounts. People First is not a client of Copper Financial. The terms “mobile app” or “app” refer to the People First online banking application.}