IMPORTANT NOTICE

You are now leaving the Cream City website and will be entering the Charles Schwab & Co., Inc. (“Schwab”) website.

Schwab is a registered broker-dealer, and is not affiliated with Cream City Investment Services or Diversified Management, Inc. or any advisor(s) whose name(s) appear(s) on this website. Cream City Investment Services and Diversified Management, Inc. are independently owned and operated. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Cream City Investment Services and Diversified Management, Inc. under which Schwab provides Cream City Investment Services and Diversified Management, Inc. with services related to your account. Schwab does not review the Cream City Investment Services website, and makes no representation regarding information contained in the Cream City Investment 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.