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September 29, 2015

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Banking products and trust services are provided by Valley National Bank (the “Bank”), Member FDIC. Brokerage and insurance products are provided by Valley Financial Management, Inc. (“VFM”), a registered broker-dealer, member of FINRA and SIPC, and a licensed insurance agency. VFM is a wholly owned subsidiary of the Bank. You are welcome to check the background and experience of our bankers with BrokerCheck by FINRA. Non-deposit investment products offered by the Bank and its subsidiaries including VFM are: Not insured by the Federal Deposit Insurance Corporation (“FDIC”); Not a deposit or other obligation of, or guaranteed by, the Bank; and Subject to investment risks, including possible loss of the principal amount invested.