Market St, Parkersburg, WV Harris Highway, Lubeck, WV Weekend Mass Schedule Weekend Mass Schedule Saturday, 5pm - Sunday, 10:30am & 5pm Sunday 8:30

MAILING ADDRESS: 609 Market Street, Parkersburg, WV 26101

October 18, 2020 Divine5th Sunday Mercy of Sunday Lent Baptism A joyful celebration! ToBaptism schedule class and a date pleaseA joyful call celebration! the office. 304To schedule-422-6786 class and a date please call the office. Care304-422 of- the6786 Sick Please notify the pastor when someoneCare of theis seriously Sick ill or in the hospital.Please notify Sacraments the pastor or carewhen of thesomeone seriously is seriously ill are administered ill or in the athospital. anytime, Sacraments day or night. or care of the seriously ill are administeredDevotions at anytime, dayMiraculous or night. Medal Novena, Wednesday – 6:50 AdorationConfession – One hour before Mass:At St. Francis Mon, Wed, Xavier and Fri. Saturday at 4:00-4:45pm andMarriage by appointment. Congratulations on your Devotionsengagement! Please contact the MiraculousPastor to discuss Medal arrangements Novena, Wednesdaybefore setting – any6:50 date. AdorationPreparation – ordinarily One hour requiresbefore Mass:at least Mon,six months. Wed, and Fri.

MarriageThinking of Congratulations Becoming onCatholic? your engagement! Please contactThe RCIA the process Pastor is to for discuss you! arrangementsCome find out morebefore about setting the any date.Catholic Preparation faith! Call ordinarily the office for requiresdetails. at least six months.

ThinkingMay the of GodBecoming who gives Catholic?endurance and encouragement give Theyou RCIA the sameprocess attitude is for of you! mind Come towardfind out each more other about that the Catholic faith!Christ CallJesus the had. office for details. Romans 15:5

Fr. John Rice, Pastor [email protected] Rectory 304-422-6786 Deacon: Rev. Mr. Doug Deem, 304-893-3076 Parish Office 304-422-6786 Fax 304-422-6789 Email [email protected] St. Francis Xavier Web Site www.stx-pburg.org St. Monica Web Site www.stmonicaparish.org Catholic Cemeteries Web Site: catholiccemeteriesparkersburgwv.org Cemetery Manager: Juanita Ferguson 304-863-6832

St. Francis Xavier REMEMBER THE SICK AND Welcome to our Parish SHUT-INS IN PRAYER: If you are a visitor to

Weekend Masses St. Francis Xavier or St. Monica we Saturday, 5:00 pm *THE ARBORS: Ruth Baker; Micky Lofty; want you to know how welcome you Tony Weinheimer are. If you attend St. Francis Xavier Sunday, 10:30 am & 5:00 pm *LOVE & CARE: Mary Showalter or St. Monica on a regular basis, Daily Mass please be sure to register as a M & F-12:10; T & Th-8am; W-7pm *THE WILLOWS: Margaret Patrick member of the parish. This will Holy Hour *WYNGATE: Theresa Nedeff facilitate pastoral care for you and 1 hour before Mass, M-W-F your family. Registration forms are available Confessions online (www.stx-pburg.org), in the Saturday at 4:00-4:45pm on the church, and in the parish office. back porch of the rectory; You may place it in the and by appointment. Wear a mask. collection basket or mail it to the

St Francis Xavier parish office. If you need to Prayer Request update or change your Wanda Christopher, 304-485-5834 Oct 11 $3371.00 School Support $498.00 address, phone or email Sara Daniels, 304-485-5344 information please call the Attendance 198 office (304-422-6786). Welcome & Hospitality St Monica Shirley Smith 740-516-9411 Oct 11 $106.00 [email protected] School Support $64.00 Bulletin Attendance 21 Children’s Liturgy Announcements Leone Burd 304-482-2613 Parish Center Renovation $3797.61 Please submit items for

consideration Parish School of Religion Second Collection November 1st is for 2 weeks before publication. Jane Row 304-615-3950 Poor Fund & Military Services Via email:

Eucharistic Ministers to the [email protected] Sick and Homebound or drop a type written Sally McDonie 304-428-2651 announcement at the office.

Barb Fligor 304-428-8648

Catholics For Life You can give greener by using our Will or Sunny Murray 304-482-6193 Online Giving Program. Simply go to our Estate Planning Katie Walters 304-861-5354 parish website at Are you thinking of remembering www.stx-pburg.org St. Francis Xavier Church in your Rosary Altar Society You can set up the amount that you would will or estate plans? A bequest Mary Beth Steinel 740-896-5003 like to give on a schedule that meets your through a Last Will and Testament

needs and you never have to worry about is the simplest way of creating a Tuesday Evening Bible Study writing another check, forgetting your Judy Huddleston 304-488-0720 lasting legacy of support for envelope, or having cash in your wallet. St. Francis Xavier Church. Ladies Friday a.m. Bible Study Suggested Becky Hines 740-423-5236 language for making a Music Ministry bequest is: Allan Zipf 304-482-5978 “I give and bequest to St. Monica St. Francis Xavier Church, 532 Market Street, Sunday Mass, 8:30 am Parkersburg, WV, the sum of $__ Confessions (or) __% of the rest, residue and Sundays 8:10 am remainder of my estate for it’s general purposes. Prayer Request Karen Barré 304-482-3199

Liturgical Ministries To report an incidence of suspected Tom Linder 304-863-6834 child sexual abuse, please contact

Parish School of Religion your local law enforcement agency, Kathleen O’Bara 304-483-2221 or you may confidentially contact WV Child Protective Services at Food Pantry, Clothing, Cards 800.352.6513. Roger & Joyce Zipfel 304-863-6336 To report suspected cases of sexual abuse by personnel of the Diocese of Maintenance/Custodial Care Wheeling-Charleston to the Diocese, Dave Quattro 304-863-6664 please contact the Diocese at Natalie Linder 304-863-6834 888.434.6237 or 304.233.0880. Sunday - 18 29th Sunday in Ordinary Time October 18, 2020 World Mission Sunday 29th Sunday St. Monica Mass 8:30 †Parishioners in Ordinary Time St. F X PSR 9:00am Group A St. F X Mass 10:30 †Melvin Smith (Rebecca Crum) Nobody enjoys paying taxes. Despite St. F X Mass 5:00 †Parishioners our displeasure in being forced to do so, we also realize that the monies Is 45:1, 4-6/Ps 96:1, 3, 4-5, 7-8, 9-10 [7b]/ generated from taxes allows 1 Thes 1:1-5b/Mt 22:15-21 governments to provide essential services for its people. Corruption really gets our goat, however. When Monday - 19 Sts. John de Brébeuf and Isaac Jogues we witness malfeasance, overspending, irresponsibility, and dishonesty

Mass 12:10 †Larry Bayne (Joe & Bernadette Bennett) in governmental spending, the grave injustices make an already unpleasant and arduous task even more difficult. The inappropriate distribution and use of hard-earned monies can leave a person quite Eph 2:1-10/Ps 100:1b-2, 3, 4ab, 4c-5 [3b]/Lk 12:13-21 angry and disconnected. It’s bad enough the government wants something from me, now God does, too?

God is not concerned necessarily with our money, although its proper Tuesday - 20 St. Paul of the Cross use does factor into our faith life. As the payment of secular taxes Mass 8am †Mary Frances Byrd speaks of our allegiance to the government, our return to God speaks of

our allegiance to God. All of creation, even the entire universe, is fashioned in the image and likeness of God. What speaks to God and Eph 2:12-22/Ps 85:9ab-10, 11-12, 13-14 [cf. 9]/ has meaning and relevance to him? All of creation and indeed our very Lk 12:35-38 selves! God delights in us and when we present ourselves back to him, he delights even more! As the payment of secular taxes is designed to Wednesday - 21 secure the equitable distribution of goods and services to all people, so

Holy Hour 6pm is our return of ourselves to God in gratitude meant to advance God’s Mass 7pm †Mickey Lofty (Joe & Bernadette Bennett) kingdom here on earth.

When our exclusive and sincere allegiance is given to God, God can use

us to set things right and straight again. The wounds of sin distort our Eph 3:2-12/Is 12:2-3, 4bcd, 5-6 [cf. 3]/Lk 12:39-48 relationship and disorder our world. By giving ourselves and all of creation back to God in gratitude, we acknowledge the proper Creator and Author of life for who He is and devote our labors exclusively to Thursday - 22 St. John Paul II God’s kingdom and the justice, peace, or order God envisions. In giving Mass 8am †Bill McGivern back to God all that belongs to God, we set the axis of our lives correctly and put our priorities in proper order. All of our relationships, especially with God, our brothers and sisters, and all of creation are Eph 3:14-21/Ps 33:1-2, 4-5, 11-12, 18-19 [5b]/ Lk 12:49-53 perceived more clearly as they really are. Using, accumulating, wasting, exploiting, hording, and self-preservation are no longer necessary.

Friday - 23 St. John of Capistrano ©LPi

Holy Hour 11am Mass 12:10 †Mark Brast (Kitty Brown) The next Rosary Altar meeting will be October 22nd, 6:30 pm at the parish hall. Please try to attend we have a lot to discuss! Masks will

Eph 4:1-6/Ps 24:1-2, 3-4ab, 5-6 [cf. 6]/Lk 12:54-59 be required and social distancing will be maintained.

Saturday - 24 St. Anthony Mary Claret ALTAR Extraordinary LECTORS SCRIP

SERVERS Ministers

Mass 5pm Larry & Carol Arnold, 50th Anniversary † Alphabetically

Oct 24 L Rice J Fought

5:00 pm Eph 4:7-16/Ps 122:1-2, 3-4ab, 4cd-5 [1]/Lk 13:1-9 Oct 25 N Bailey D Walters

Sunday - 25 30th Sunday in Ordinary Time 10:30 am

St. Monica Mass 8:30 †Parishioners Oct 25 B Knotts St. F X PSR - Home School St. F X Mass 10:30 †Parishioners 5:00 pm St. F X Mass 5:00 †Glenda McGivern St. Monica GIFTS

Oct 25 Ex 22:20-26/Ps 18:2-3, 3-4, 47, 51 [2]/1 Thes 1:5c-10/ 8:30 am Mt 22:34-40

BIRTHDAYS & ANNIVERSARIES

Oct 17 - Jim Borrelli; Becky Lauer; Albert Long GLORIA Oct 18 - Jim & Terri Borrelli (A) Glory to God in the highest, and on earth peace to Oct 19 - Marty Vierheller; Ken & Barb Starkey (A) Oct 20 - Barbara Burner; Theresa Post people of good will. We praise you, we bless you, we Oct 21 - Judith OMaille adore you, we glorify you, we give you thanks for your Oct 22 - Sarah Mastrorocco; Ed & Lisa Smith (A) Oct 23 - Noah Boylen; John Morehead; Shannon Thatcher; great glory, Lord God, heavenly King, O God, almighty Yvonne Watson; Mat & Sue Moore (A) Father. Lord Jesus Christ, Only Begotten Son, Lord Oct 24 - Emily Bailey; June Ann Fought; Karen Ritchie; God, Lamb of God, Son of the Father, you take away the Penny Wines; Larry & Carol Arnold (50th A); Patrick & Cindy Dugan (A); Jim & Diane Lambert (A); sins of the world, have mercy on us; you take away the David & Peggy Perkinson (A) sins of the world, receive our prayer; you are seated at Oct 25 - Mike & Patricia Shutler (A) the right hand of the Father, have mercy on us. For you We extend our deepest sympathy alone are the Holy One, you alone are the Lord, you to the families of Larry Bayne and alone are the Most High, Jesus Christ, with the Holy Mickey Lofty who died this past

week. Spirit, in the glory of God the Father. Amen. Eternal rest grant unto them, O Lord, and let perpetual light shine upon them. RESPONSORIAL PSALM May the souls of the faithful departed, through the mercy of God, rest in peace. ~Amen

Be Baptized and Sent—on Mission in the World! Today, World Mission Sunday, in this Extraordinary Missionary Month, we are called to personal encounter with Jesus Christ alive in the Church, and to offer, through this Eucharistic celebration, our prayers and our generous financial support, through the Society for the Propagation of the Faith, to continue the mission of Jesus. Today we are “sent” out to witness to Mission in the world through our PROFESSION OF FAITH prayers and personal sacrifices for our brothers and sisters I believe in one God, the Father almighty, maker of around the world. Heaven and earth, of all things visible and invisible.

As little as… I believe in one Lord Jesus Christ, the Only Begotten $25 helps support a catechist for a month in remote Latin America Son of God, born of the Father before all ages. God from $75 provides for the work of religious Sisters caring for God, Light from Light, true God from true God, begot- orphaned children in Africa ten, not made, consubstantial with the Father; through $100 assists poor children in boarding schools in Asia him all things were made. For us men and for our salva- As always, your prayers are your most treasured gift to the Missions. Your prayers and financial help, offered today, tion he came down from heaven, and by the Holy Spirit WORLD MISSION SUNDAY, support mission priests, was incarnate of the Virgin Mary, and became man. For religious Sisters and Brothers, and lay catechists who are Christ’s witnesses to a world so in need of His healing, our sake he was crucified under Pontius Pilate, he suf- love, and peace. fered death and was buried, and rose again on the third day in accordance with the Scriptures. He ascended into 2020 Mid- Ohio Valley 6th Annual Rosary Rally heaven and is seated at the right hand of the Father. He The Catholic Churches of the Mid – Ohio Valley along with the Knights of Columbus would like to extend an will come again in glory to judge the living and the dead invitation to join us for the 6th annual area Rosary and his kingdom will have no end. I believe in the Holy Rally. The event will take place on October 24th, Spirit, the Lord, the giver of life, who proceeds from the 2020 at 11am at Parkersburg City Park band shell. Join us this year as we once again ask for Immaculate Father and the Son, who with the Father and the Son is Mary’s intercession and for the guidance of the Holy adored and glorified, who has spoken through the Spirit to help us in these turbulent times. prophets. I believe in one, holy, catholic and apostolic

Let us keep in mind the power of the Rosary and the Church. I confess one Baptism for the forgiveness of message of Fatima. It is not merely a devotion, but it sins and I look forward to the resurrection of the dead is also a weapon against evil and a source of strength in meeting the challenges of life. Praying the Rosary and the life of the world to come. Amen.

in the public square is a powerful way to promote its

recitation.

Let us come together to show our love and support for each other, our communities, our church, and our Lord. There will be prayer cards and rosaries availa- ble. Please bring your favorite lawn chair and join us. Scrip For questions or information call Jim Udell at (304) Scrip cards are still available 483-1438. We look forward to seeing everyone there. and for sale in the office. Todays Music

PRELUDE: Canon in D Major Johann Pachelbel

ENTRANCE: Glory and Praise to Our God Dan Schutte

Glory and praise to our God, who alone gives light to our days. Many are the blessings he bears to those who trust in his ways.

1. We, the daughters and sons of him who built the valleys and plains, Praise the wonders our God has done in ev'ry heart that sings.

Glory and praise...

2. In his wisdom he strengthens us, like gold that's tested in fire. Though the power of sin prevails, our God is there to save.

Glory and praise...

3. Ev'ry moment of ev'ry day our God is waiting to save, Always ready to seek the lost, to answer those who pray.

Glory and praise...

4. God has watered our barren land and spent his merciful rain. Now the rivers of life run full for anyone to drink. Text: Psalm 65, 66; Dan Schutte, b.1947, © 1976, Daniel L. Schutte and New Dawn Music. Published by OCP Publications.

OFFERTORY: Ciacona Dieterich Buxtehude

When approaching for Communion, form a single line in the middle of the center aisle and remain six feet apart from others, observing the markings on the floor. Although you may receive either in the hand or on the tongue, the weight of medical opinion is that it is safer to receive in the hand.

Since there is no offertory collection, kindly bring your offering with you as you come up the aisle and drop it in the basket before approaching the priest for Holy Communion. Thank you for your attention to these matters.

COMMUNION: One Love Released Bob Frenzel and Kevin Keil

One bread, one body, one cup, one call, one faith, one Spirit present in us all. One prayer, one blessing, one hope, one peace, one church, one people, one love released.

1. Is not this bread we share, the body of our Lord? Is not this wine we drink, the blood of Christ outpoured?

2. I am the bread of life, eat and you shall live. To those who share this meal, my strength I’ll always give.

3. I am the living bread, as manna from the sky. This bread I give to you, that you may never die.

4. No one will come to me, unless our God has led. And I shall raise them up, raise them from the dead! Text: Bob Frenzel and Kevin Keil (ASCAP). Music: Based on O WALY WALY. Text and music © 1999, 2000, Robert H. Frenzel and Kevin Keil. Published by OCP. All rights reserved.

POSTLUDE: Deo Gratias Andre Raison Reprinted with permission under ONE LICENSE #A-733886. All rights reserved. The Children’s Corner

Sharing the Gospel When you grow up and earn money, you will have to pay taxes. Taxes pay for many good things that keep us safe and healthy. When you grow up in your faith, you will want to give God some of the money you earn, because all you have is a gift from God.

Prayer God, teach me to use money wisely so my community and my church can grow.

Something to Draw Draw a picture of yourself putting money in the collection at church.

Mission for the Week Take care of God's world. Together as a family, clean up trash that's lying around in your neighborhood. ©LPi

Need a Faith Booster ?? Faith in WV - a weekly faith formation newsletter. Enroll at dwc.org

WORD ON FIRE by Bishop Robert Barren - WordOnFire.org

"Imagine: A Guide to Jesuit Prayer" - www.americamagazine.org/imagineprayer

A daily five minute devotion based on the Daily Examen: www.sacredspace.ie/the-daily-examen-prayer

Hear daily homilies and watch videos by Fr. Neil Buchlein at http://www.blessedmotherschildren.com/

Read about the First Saturday of the Month Devotion - https://www.theholyrosary.org/immaculateheart

Pray More Novenas - praymorenovenas.com

www.womenofgrace.com - Watch past television programs, read articles, and lots more.

CatholicMom.com celebrates all things faith, family, and fun from a Catholic perspective.

Stay informed with Catholic news, top stories, and headlines from the Vatican. www.ncregister.com

www.youngwvcatholics.com/ymlive.html - an opportunity for teens to connect with other teens from WV

FORMED.org

Saint Paul of the Cross, originally named Paolo Francesco Daneii, was born on 3 January 1694, in the town of Ovada,, between and in the Duchy of Savoy in northern Italy.

His parents were Luca and Anna Maria Massari Daneii. His father ran a small dry-goods store, and moved his family and store from town to town near Genoa trying to make ends meet. Paul was the second of sixteen children, six of whom survived infancy; and learned at an early age the reality of death and the uncertainty of life. Paul received his early education from a priest who kept a school for boys, in Cremolino, Lombardy. He made great progress and at the age of fifteen he left school and returned to his home at Castellazzo. In his early years he taught catechism in churches near his home.

Paul experienced a conversion to a life of prayer at the age of 19. Influenced by his reading of the "Treatise on the Love of God" by Saint and the direction he received from priests of the Capuchin Order, it became his lifelong conviction that God is most easily found in the Passion of Christ.

In 1715, Paul left his work helping his father to join a crusade against the Turks who were threatening the Venetian Republic, but soon realized that the life of a soldier was not his calling. He returned to help in the family business. On his way home he stopped at Novello, where he helped an aging, childless couple until the end of 1716. They offered to make him their heir, but he declined. His uncle, Father Christopher Daneii, tried to arrange a marriage, but Paul had no plans to marry. When his uncle died, he kept for himself only the priest's Breviary.

When he was 26 years old, Paul had a series of prayer-experiences which made it clear to him that God was inviting him to form a community who would live an evangelical life and promote the love of God revealed in the Passion of Jesus. A legend tells that in a vision, he saw himself clothed in the habit he and his companions would wear. The first name Paul received for his community was "the Poor of Jesus"; later they came to be known as the Congregation of the Passion of Jesus Christ, or the .

With the encouragement of his bishop, who clothed him in the black habit of a hermit, Paul wrote the rule of his new community (of which he was, as yet, the only member) during a retreat of forty days at the end of 1720. The community was to live a penitential life, in solitude and poverty, teaching people in the easiest possible way how to meditate on the Passion of Jesus.

His first companion was his own brother, John Baptist. In the belief that it was necessary to reside in in order to secure approval of the Rule, Paul and John Baptist accepted an invitation of Cardinal Corrandini to help establish a new hospital being founded by the Cardinal. The brothers devoted their energies to providing nursing care and ministered to the pastoral needs of both patients and staff.

After a short course in pastoral theology, the brothers were ordained to the priesthood by Pope Benedict XIII on 7 June 1727, in St. Peter's Basilica, Rome. After ordination they devoted themselves to preaching missions in parishes, particularly in remote country places where there were not a sufficient number of priests pastorally involved. Paul was known as one of the most popular preachers of his day, both for his words and for his generous acts of mercy. Their preaching apostolate and the retreats they gave in seminaries and religious houses brought their mission to the attention of others and gradually the community began to grow.

The first Retreat (the name Passionists traditionally gave to their monasteries) was opened in 1737 on Monte Argentario (Province of Grosseto); the community now had nine members. Paul called his monasteries "retreats" to underline the life of solitude and contemplation which he believed was necessary for someone who wished to preach the message of the Cross. In addition to the communal celebration of the divine office, members of his community were to devote at least three hours to contemplative prayer each day. The austerity of life practised by the first Passionists did not encourage large numbers, but Paul preferred a slow, at times painful, growth to something more spectacular. More than two thousand of his letters, most of them letters of spiritual direction, have been preserved.

He died on 18 October 1775, at the Retreat of Saints John and Paul (SS. Giovanni e Paolo). By the time of his death, the congregation founded by Saint Paul of the Cross had one hundred and eighty fathers and brothers, living in twelve Retreats, mostly in the . There was also a monastery of contemplative sisters in Corneto (today known as Tarquinia), founded by Paul a few years before his death to promote the memory of the Passion of Jesus by their life of prayer and penance. LOU THOMAS SUBARU, INC. Russel D. Rice LAMBERT-TATMAN Helping seniors in the Mid-Ohio Valley 304-428-5111 • 636 7th St. • Parkersburg Licensed in WV & OH uneral ome to age gracefully in the most PO Box 1414 F H www.louisthomassubaru.com DESIGN | INSTALLATION | GARDEN CENTER comfortable place on earth: Parkersburg 400 Green St • Parkersburg their own home. 740-373-1639 | www.greenleaflandscapes.com 304-420-9064 • Cell 304-481-2088 304-422-6100 414 Muskingum Dr | Marietta www.paswv.com • Parish Member STEVE TATMAN, Director Make the smart call. Catholic Cemeteries Association 304.865.0505 Ferguson Services 304-863-6832 Parkersburg 304-422-4020 PETER IANNICIELLO C and C Auto, Marietta Ohio Richard Newhart, D.D.S. • Parishioner 1308 Market St., Parkersburg, WV 26101 (304) 422-4867 • www.thegumdr.com Milestone Senior Living James F. Szarko, DDS New and used cars come with – Parkersburg, WV – “Gentle Family Dentistry” a lifetime powertrain warranty When Living alone is no longer an Option. Sleep apnea oral appliances A place where you will find the comforts 2000 Dudley Ave. cell 304-588-1027 text/voice of home, the Safety of 24 hour care and Parkersburg, WV the Joy of New-Found Friendships. K of C 594 For admission information call 304-865-4545 304-422-5177 Reagle & Padden, Inc. INSURANCE Business & Personal Insurance Serving Since 1939 740-423-5551 customers since 1977 Dr. Stephen A. Huffman & Dr. Duke T. Trinh (304) 422-8476 Calming, state-of-the-art Dental Care Rivers Office Complex • 200 Star Ave., Ste. 210 8 convenient locations, including: 501 Division St. • Parkersburg 304-485-7545 2328 Rt. 14-N • Boaz St. Francis Xavier Parish 304-375-7545 stx-pburg.weshareonline.org 107 Grand Central Ave • Vienna www.FamilyCarpetwv.com 304-893-9782 • www.firehousesubs.com 4910 1st Ave. • Vienna, WV 26105 Buy 1 Med or Large sub & drink and get 1 FREE medium sub 304-295-8551 • parkersburgcc.com Since • Golf, Tennis, Swimming Pool, Dining Chams Lebanese 1959 Restoration Service, Certified Smoke, Water, • Wedding/Banquet Venue Cuisine, LLC Sewage, & Mold Remediation Specialist 610 Market St • Parkersburg 304-485-4000 Call us for membership info! 304-428-2730 • M-F 11am-8pm www.winansservices.com

Make education more affordable. LEAVITT FUNERAL HOME THIS SPACE IS We’ll help optimize a 529 Plan for your family. Call today! Burdette Chapel Paul Mancuso, Jr. John & Stephen Leavitt Investment Executive Owners 304-428-9681 (304) 420-5569 631 Juliana Street Parkersburg, WV 26101 Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory Services are offered through Cetera Investment Advisers LLC. Cetera is not affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. Advisory services may only be offered by Investment Advisor Representatives.

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