INVESTMENT SERVICES

MUTUAL FUNDS

Mutual funds are one of the most effective long-term savings vehicles. Mutual funds are a great way to "become an owner, not a loaner." They give average families access to an investment vehicle with the potential to minimize risk through professional management and diversification.*

All investments involve risk, but your PFS Investments Representative can help you understand those risks and guide you to select mutual funds that match your investments goals and risk tolerance.

PFS Investments' Mutual Fund Providers:

• American Century Investments
• American Funds
• Invesco
• Fidelity Advisor Funds
• Franklin Templeton Investments
• MFS Investment Management
• Putnam Investments

Investors should carefully consider the investment objectives, risks, charges, fees, and expenses of any mutual fund before investing. This and other important information can be found in the fund prospectus and or summary prospectus, which may be obtained from PFS Investments, or by calling the fund or by visiting the fund's website. Please read each fund's prospectus carefully before investing.

*Diversification does not guarantee a profit or protect against loss.