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*Securities offered through Cadaret Grant & Co., member FINRA / SIPC . Insurance products offered through Cadaret Grant or its licensed affiliates. Solvay Bank and Solvay Bank Investment Services are not registered broker/ dealers and are not affiliates of Cadaret Grant. The investment products sold through Cadaret Grant are not insured by Solvay Bank and are not FDIC insured. These products are not obligations of Solvay Bank and are not endorsed, recommended, or guaranteed by Solvay Bank, or any government agency. The value of the investments may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

Investment and Insurance Products • Are Not Deposits • Are Not FDIC-Insured • Are Not Insured by Any Government Agency • Have No Bank Guarantee • May Go Down in Value.