The research provided by Shay Financial Services, Inc. on the Website (and any other Shay Financial Services, Inc. website) is provided solely to enable investors to make their own investment decisions and does not constitute personal investment recommendations. No recommendations are made directly or indirectly by Shay as to the merits or suitability of any investment decision or transaction which may result directly or indirectly from having viewed the investment research on the Website or having received it by email. Investors are therefore urged to seek independent financial advice if they are in any doubt. The value of investments and the income derived from them can go down as well as up, and the investor may not get back the full amount originally invested.

Certificates of Deposit, as with all investments, are subject to price volatility and in the event of a bank failure an investor may lose some of the expected interest accrual from the CD of a failed financial institution. If CDs are sold prior to maturity, investors may receive more or less than the original cost or maturity value. Some CDs may be subject to call provisions before their stated maturity; be sure to ask your representative whether any call provisions apply. The FDIC insures deposits up to the full amount of the law. The investments described by or in the services are not suitable for all investors. Investors should be familiar with the terms - including maturities, call features, interest payments and credit quality of an issue - before purchasing it. The information contained within this document has not been reviewed in the light of your personal circumstances. If you require investment advice or wish to discuss the suitability of any investment decision you should contact your Relationship Manager or you should seek such financial, legal or tax advice from your professional advisers as appropriate. This document is not and should not be construed as an offer to sell or solicitation of an offer to purchase or subscribe for any investment.

Shay may, at its discretion, provide information, advice, recommendations and research to subscribers from time to time on its own initiative or advise subscribers of other services available. Shay will be under no obligation to provide on-going advice in relation to financial instruments covered on this website. Shay has based this document on information obtained from sources it believes to be reliable but which it has not independently verified. Shay and Anthem Bank & Trust make no guarantees, representations or warranties and accept no responsibility or liability as to its accuracy or completeness. Expressions of opinion herein are subject to change without notice.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies individuals and/or institutions seeking to open an account.

What this means for you:

Documents or other information may be requested to verify your identity and/or the existences of the entity establishing the account such as a business address and tax identification numbers.


Registered Representatives that offer securities through Shay Financial Services, Inc. (Shay), Member FINRA & SIPC; may also be associated with Banes Capital Management, LLC (BCM) an SEC Registered Investment Advisor. Shay and BCM are not affiliated companies. This relationship creates a potential conflict of interest to some clients for certain investment products. This practice is disclosed to all Shay and BCM clients where this conflict exists. Additionally, Shay and BCM monitor for this potential conflict. Information disseminated by Shay Financial Services, Inc. is for your private use and does not constitute an offer or solicitation with respect to the sale of any security. Information is obtained from sources we believe to be reliable but we do not represent that it is accurate or complete, and it should not be relied on as such. Certain transactions may give rise to substantial risk and are not suitable for all investors. Securities which may be shown are subject to availability and changes in price. All information is based on current market indicators at the date and time of distribution. Changes in any assumptions may have a material effect on projected results. Past performance is not indicative of future results. We may from time to time buy or sell, or have long or short positions in securities identical or related to those identified herein.

Loan transactions are unique due the specific characteristics and terms of each loan. Shay acts as agent for such transactions and in the event a buyer or a seller failing to execute their obligation under such transactions the related trades will be cancelled with no further obligation to Shay.

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