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1 Rating based on responses to a consumer survey as part of the 2018 Temkin Trust Ratings, www.temkinratings.com. The Temkin Trust Ratings (TTR) is an openly available loyalty benchmarking metric. When companies have earned trust, their customers are willing to believe their claims and are more inclined to work with the company. The TTR is based on consumer feedback of their recent interactions with companies. Consumers are asked "To what degree do you TRUST that these companies will take care of your needs?" Responses are on a scale from 1= "do not trust at all" to 7= "completely trust." TTR is calculated by taking the percentage of consumers that gave a rating of 6 or 7 and subtract the percentage that gave a rating of 1, 2, or 3. 

Rating based on responses to a consumer survey as part of the Temkin Loyalty Index, 2017. The 2017 Temkin Group Loyalty Index is an average of five loyalty ratings: repurchasing from the company, recommending the company to others, forgiving the company if it makes a mistake, trusting the company, and trying the company's new offerings. The survey was fielded in January 2017 to 10,000 U.S. consumers, with quotas for age, income, ethnicity, and region to ensure that the distribution of respondents matched the U.S. Census data for the U.S. population. Consumers were asked to identify companies that they had interreacted with over the previous 90 days and were asked a series of questions about a random sample of those organizations, drawing from a total of 329 companies across 20 industries. For each company, the percentage of customers who considered themselves "very likely" to exhibit each of the five loyalty behaviors is determined. The Temkin Loyalty Index is then calculated by averaging the percentage of those five behaviors. See temkingroup.com for more. 

3 Rating based on responses to a consumer survey as part of the Temkin Group's 2017 Customer Service Ratings, www.temkinratings.com. The Temkin Customer Service Ratings (TCSR) is an openly available benchmarking metric for a critical customer interaction. The TCSR is based on consumer feedback of their recent interactions with companies. Consumers are asked to rate how satisfied they are with recent customer service experiences. Responses are on a scale from 1= "very dissatisfied" to 7= "very satisfied," TCSR is calculated by taking the percentage of consumers that gave a rating of 6 or 7 and subtract the percentage that gave a rating of 1, 2, or 3. 

Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.