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Investments are not FDIC insured, not financial institution guaranteed, not a deposit,
and not insured by any federal government agency. Investments may lose value.

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Important Note About Securities and Insurance Products
Cetera Investment Services registered office: 25-00 Broadway, Fair Lawn, NJ. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency),  member FINRA/SIPC.  Advisory services are offered through Cetera Investment Advisers LLC. Check the background of this investment professional on FINRA's BrokerCheck. Columbia Bank is not affiliated with Cetera Investment Services LLC, Cetera Investment Advisers LLC, or Columbia Financial Services. Columbia Financial Services is a marketing name for Cetera Investment Services, LLC.
Investments are: • Not FDIC insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.
*Trust services provided by BOK Financial.
**Consult your legal counsel for advice and information concerning your particular circumstances. Neither Cetera Investment Services, nor any of its representatives may give legal advice.
There is a surrender charge imposed generally during the first 3 to 10 years that you own the contract. Withdrawals prior to age 59½ may result in a 10% penalty in addition to any ordinary income tax. The guarantee of the annuity is based on the financial strength and claims-paying ability of the underlying insurance company. Investment Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States. View Cetera Privacy Policy and other Important Information. Columbia Financial Services: 1-800-624-0999