SPEAKER OPPORTUNITIES

MAINSTREETADVISORS

AT MAINSTREET ADVISORS, WE UNDERSTAND THE CURRENT

INVESTMENT ENVIRONMENT REQUIRES A COMMITTED PARTNER. WE RECOGNIZE THAT WEALTH MANAGEMENT PROFESSIONALS AND INVESTORS SEEK GUIDANCE AND INFORMATION, AND OUR GOAL IS TO HELP EDUCATE AND INFORM.

MAINSTREET ADVISORS SPEAKER OPPORTUNITIES 3

MIND, HEART AND WALLET: TRENDS IN SOCIALLY RESPONSIBLE INVESTING

Things have come a long way in “SRI” since its introduction in the 1960s. The evolution of SRI has seen an increase in investors who are not only seeking investment performance, but also are looking for impactful ways to align their values with their investments. Our presentation will explain ways to integrate envi-ronmental, social and governance (ESG) factors with financial analysis which can lead to an investment strategy that speaks to -- and for -- each investor.

1

LEARNING OBJECTIVES

- Define “socially responsible investing” and related key terms- Outline environmental, social and governance factors considered in investment analysis and decision making- Identify key trends in socially responsible investing

PRESENTATION TOPICS

BEHAVIORAL FINANCE: GOOD BEHAVIOR IN BAD MARKETS

Our presentation will explore the field of behavioral finance, how our brains work and the ways we make decisions. We will discuss some of the frequent behavioral pitfalls investors make and the effect they can have on investments. Most capital market theories are based on fundamental and economic factors, ignoring the impact of perceptions of the human participants. Our hope is that by being cognizant of our common mistakes we can avoid falling prey to them.

2

LEARNING OBJECTIVES

- Provide an analysis of the common behavioral biases to which investors are vulnerable- Evaluate the impact behavioral mistakes can have on portfolios- Offer an understanding of the importance of learning to prevent emotions from guiding portfolio decisions

THE INTERSECTION OF POLITICS AND INVESTING

The seemingly endless news cycle has created an ever-growing fog of political noise for investors to navigate. Within this cacophony, however, there are social and political trends that appear to be growing in terms of market relevance. Our presentation will explore the increased political polarization in the U.S., the resurgence of populist policy platforms on both sides of the political spectrum, the debate over our healthcare system, growing federal budget deficits, corporate governance reform, environmental policy reform, calls for technology sector regulation and a nascent reexamination of traditional monetary policy.

3

LEARNING OBJECTIVES

- Develop an understanding of market-relevant political items - Provide an overview of the potential investment implications of proposed policies- Review the current regulatory and policy trends in the technology and healthcare sectors

DIVIDEND INVESTING IN TODAY’S MARKET

There are several factors to consider when selecting dividend paying securities in which to invest: dividend growth, payout ratio and a company’s dividend policy are all important characteristics to look at when constructing a diversified portfolio of dividend-paying stocks. This presentation will focus on the potential benefits of investing in dividend paying stocks. It will highlight various ways in which a dividend paying stock portfolio can be an attractive product in the current investment environment. Additionally, our presentation will examine some of the potential risks of dividend investing, such as focusing too much on yield or sector concentration.

5

LEARNING OBJECTIVES

- Offer an assessment of the historical performance of dividend paying stocks versus non-dividend payers- Provide an analysis of the potential risks in the construction of a dividend-paying stock portfolio- Provide an understanding of the potential benefits of a well-diversified portfolio of dividend-paying stocks,

including increased income stream as well as equity exposure with lower volatility than the overall market

MILLENNIALS AND MONEY: UNDERSTANDING THE NEXT GENERATION OF INVESTORS

This presentation will focus on the unique characteristics of the Millennial investor. While Millennials currently control only a small fraction of the country’s total net worth, it is expected that $30 trillion will transfer from Baby Boomers to Millennials over the next 30 years. Understanding this segment of the market and their views on money is essential to developing relationships and offering investment advice that fits the needs of Millennial investors.

4

LEARNING OBJECTIVES

- Provide an understanding of the definition of “Millennials” and the approximate size of the market- Offer an overview of the challenges advisors face in reaching potential Millennial investors- Outline a strategy for developing financial education tools to attract these investors

INVESTING IN TODAY’S MARKET

This presentation will focus on what’s happening in the markets. We will highlight current economic activity and trends and discuss what developments to look for in the coming months. From key economic indicators to waiting and listening to guidance from the Federal Reserve, we will offer insight with respect to today’s investment landscape. We will also highlight investment strategies and provide an overview of activity in the equity, fixed income and alternative investment markets.

6

LEARNING OBJECTIVES

- Explain key economic indicators- Provide an overview of historical and projected interest rates- Provide an understanding of current trends in the domestic and international equity markets

4 MAINSTREET ADVISORS SPEAKER OPPORTUNITIES

MANAGING FIXED INCOME INVESTMENTS IN A RISING INTEREST RATE ENVIRONMENT

This presentation will focus on the many risks fixed income investors face. Much attention has been given to the fact that interest rates have been declining for nearly thirty years since the inflation bubble burst in the early 1980s, and rates are currently near their lowest levels in decades. We will focus this discussion on fixed income risk factors facing investors. We will also address the importance of creating a strategic long-term asset allocation plan complemented by tactical short-to-intermediate term asset allocation adjustments.

8

LEARNING OBJECTIVES

- Develop a broad understanding of the risks investors face in the current fixed income market- Offer an assessment of the differences in performance among the various fixed income sectors - Identify strategies for balancing risk and return in a fixed income portfolio

WOMEN, WEALTH AND WISDOM: OUTLINING YOUR FINANCIAL STRATEGY

This presentation will highlight facts about women investors: their investable wealth, financial and investment confidence, and attitudes towards financial advisors. We will explore some of the key gender differences between men and women that financial advisors should keep in mind when meeting with existing or potential clients. Additionally, we will present strategies for appropriately connecting with female clients -- from intergenerational investment planning to marketing and communication.

7

LEARNING OBJECTIVES

- Provide an assessment of the increasing wealth of high net worth women and their unique needs- Explain key investment-related gender differences in order to better connect with women investors- Identify strategies for appealing to potential female clients as well as retaining current clients

INVESTING IN A VOLATILE ENVIRONMENT

While investors are often inclined to react to volatility swings in the market, most financial experts agree that for an investor to achieve their long-term goals, they should develop a disciplined process and stay the course. A disciplined investment process may help investors prevent market timing mistakes that tend to reduce returns. This presentation will focus on the importance of defining and committing to an investment objective.

9

LEARNING OBJECTIVES

- Provide an understanding of the importance of establishing a disciplined investment process- Provide an overview of the current market environment- Outline a strategy for building a broadly diversified investment portfolio

MAINSTREET ADVISORS SPEAKER OPPORTUNITIES 5

PRESENTERS

6 MAINSTREET ADVISORS SPEAKER OPPORTUNITIES

ANNE T. DURKIN, CFA Portfolio Manager

Anne is responsible for managing client relationships which includes portfolio analysis and management. She is a Chartered Financial Analyst and a member of both the CFA Institute and the CFA Society Chicago. Anne received her Bachelor’s degree from Marquette University and her MBA from the University of Illinois at Chicago.

ALEX URBANI, CFA President

Alex oversees all aspects of the firm and works closely with each member of the management team. He has a deep understanding of investment management and the unique needs of MainStreet Advisors’ clients. He is a Chartered Financial Analyst and a member of both the CFA Institute and the New York Society of Security Analysts. Alex received his Bachelor’s degree from the University of Connecticut.

IGOR MARJANOVIC, CFA Portfolio Manager

Igor is responsible for managing client relationships which includes portfolio analysis and management. He is a Chartered Financial Analyst and a member of both the CFA Institute and the CFA Society Chicago. Igor received both his Bachelor’s degree and MBA from Purdue University.

RICHARD J. MILTON, CFA Managing Director & Director of Business Development

Rick is responsible for portfolio management and new business development. Additionally, Rick serves as a relationship manager and portfolio manager for client relationships. He is a Chartered Financial Analyst and a member of both the CFA Institute and the CFA Society Chicago. Rick received his Bachelor’s degree from the University of Iowa.

PRESENTERS

THOMAS MCKINSTRY, CFA Chief Investment Officer

Tom is responsible for directing and coordinating the firm’s strategic asset allocation, portfolio construction and security selection processes. He is a Chartered Financial Analyst and a member of both the CFA Institute and the CFA Society Chicago. Tom received his Bachelor’s degree from Colgate University.

MICHAEL STEELE Chief Operating Officer / Portfolio Manager

Mike serves as the firm’s Chief Operating Officer and oversees the company’s day-to-day operations which includes operations, marketing, technology and compliance. Additionally, Mike is a portfolio manager for client relationships. Mike earned his Bachelor’s degree from DePaul University and his MBA from Loyola University.

MAINSTREET ADVISORS SPEAKER OPPORTUNITIES 7

BRUCE SIMPSON, CFA, CFP® Chief Client Officer / Portfolio Manager

Bruce is the firm’s Chief Client Officer and is responsible for leading the firm’s efforts to support clients and ensure client satisfaction across all areas of the organization. He also serves as a portfolio manager and manages MainStreet’s team of portfolio managers and portfolio analysts. He is a CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Analyst; he is a member of both the CFA Institute and the CFA Society Chicago. Bruce received his Bachelor’s degree from Northwestern University and his MBA from the University of Chicago.

SEAN WHITNEY, CFA, CFP® Portfolio Manager

Sean is responsible for managing client relationships, which includes portfolio management and analysis. He is also a member of the firm’s investment committee which establishes investment strategy and policy. Sean is a CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Analyst; he is a member of both the CFA Institute and the CFA Society Chicago. He received his Bachelor’s degree from Marquette University.

CHARLES SIMKO, CFA Senior Portfolio Manager

Chuck is responsible for managing client relationships which includes portfolio management and analysis. He is a Chartered Financial Analyst and a member of both the CFA Institute and the New York Society of Security Analysts. Chuck received his Bachelor’s degree from Fairfield University.

PRESENTERS

8 MAINSTREET ADVISORS SPEAKER OPPORTUNITIES

RECENT SPEAKING ENGAGEMENTSAmerican Bankers AssociationFlorida Bankers Association InfovisaIowa Trust AssociationMichigan Bankers Association Pennsylvania Bankers AssociationTennessee Bankers Association Tri-State Trust (North Dakota) Trust Advisors Forum Trust Management Network

WE WELCOME THE OPPORTUNITY TO EDUCATE, INFORM AND SHARE OUR KNOWLEDGE. TO BOOK A MAINSTREET ADVISORS SPEAKER, PLEASE CONTACT ANNE CONNELLY AT 312.223.0270

REFERENCESBrandon Tipton, Infovisa brandon.tipton@infovisa.com

Peter Brokaw, Florida Bankers Association pbrokaw@floridabankers.com

For more information, visit www.mainstreetadv.com. MainStreet Investment Advisors, LLC, is an SEC registered investment adviser. MainStreet Investment Advisors, LLC’s Form ADV Part 2 is available upon request.

MainStreet Investment Advisors, LLC is an investment adviser registered with the Securities and Exchange Commis-sion and a wholly owned direct subsidiary of Fifth Third Bank, National Association (the Bank). The material has been prepared or is distributed solely for information purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. This presentation is not intended to be used as a general guide to investing, or as a source of any specific investment recommendations, and makes no implied or express recommenda-tions concerning the manner in which any client’s account should or would be handled, as appropriate investment strategies depend upon the client’s investment objectives. The portfolio risk management process and the process of building efficient portfolios includes an effort to monitor and manage risk, but should not be confused with and does not imply low or no risk.

Traditional and Efficient Portfolio Statistics include various indices that are unmanaged and are a common measure of performance of their respective asset classes. The indices are not available for direct investment. Past performance is not indicative of future results, which may vary. The value of investments and the income derived from investments can go down as well as up. Future returns are not guaranteed, and a loss of principal may occur. Investing for short periods may make losses more likely. Diversification does not ensure a profit and may not protect against loss, includ-ing loss of principal.

The opinions expressed are those of MainStreet Advisors. This information is subject to change at any time, based on market and other conditions. The information presented has been obtained with care from sources believed to be Reli-able, but is not guaranteed. Member and/or officers may have material ownership interest in investment mentioned. Any investments purchased or sold are not deposit accounts and are not endorsed by or insured by the Federal Deposit Insurance Corporation (FDIC), are not obligations of the Bank, are not guaranteed by the Bank or any other entity and involve investment risk, including possible loss of principal. MainStreet Advisors and “Bank” are independently owned and operated. BRSPO001_100120

120 N LASALLE, 33RD FLRCHICAGO, IL 60602

312.223.0270MAINSTREETADV.COM

MAINSTREETADVISORS