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Leo O'Cconnor, Jr.

Advisor and Client Support

leojr@oconnorinvestments.com

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Visions Investment Services

Office: 607-770-3800

Toll-Free: 800-295-4177

Fax: 607-797-9424

33 Riverside Drive

Binghamton, NY 13905

Series 7, 24, 63, 65 (Registrations held by Leo O'Connor Sr. with LPL Financial)

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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Securities and Advisory services offered through LPL Financial a registered investment advisor. and broker/dealer (member FINRA/SIPC)

Insurance products offered through LPL or its licensed affiliates. Visions Federal Credit Union (VFCU), The O'Connor Group and Visions Investment Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name Visions Investment Services, The O'Connor Group and may also be employees of VFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of VFCU, The O'Connor Group or Visions Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

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