Disclosures

Beacon Investment Advisory Services, Inc. (“BIAS”) is an SEC registered investment adviser that maintains a common principal place of business in the State of New Jersey. BIAS may only transact business in those states in which it is notice filed or qualifies for a corresponding exemption from notice filing requirements. Additional information is contained in the respective Forms ADV and CRS, the most recent versions of which are available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov.

Investing involves risks which may lead to losses, including loss of principal. Different types of investments involve varying degrees of risk and there can be no assurance that any specific investment will be profitable. Past performance is not a guarantee of future results.

Long/short strategies have historically lagged the broad equity market during strong market rallies. This is an important point for investors considering a long/short equity strategy. By running a hedged portfolio with lower equity market exposure, long/short strategies can participate in market rallies, but are unlikely to capture all of the upside. Long/short strategies typically seek to outperform by avoiding significant losses during market declines - not by capturing outsized gains.

Please be advised that options carry a high level of risk and are not suitable for all investors. To receive a copy of the Options Disclosure Document please visit optionsclearing.com or speak to your Wealth Advisor.

Lending products and services are provided through The Provident Bank, an equal opportunity lender. Lines of credit are subject to approval, verification and collateral evaluation. Lines of credit may not be used to purchase securities. Beacon Trust is a wholly owned subsidiary of The Provident Bank. Provident Financial Services, whose common stock is traded on the NYSE, is the holding company for The Provident Bank. Beacon Trust and its affiliates do not provide investment advice for affiliated securities or obligations.

Any reference to a market index is included for illustrative purposes only, as it is not possible to directly invest in an index. Indices are unmanaged vehicles that serve as market indicators and do not account for the deduction of management fees or transaction costs generally associated with investable products, which otherwise have the effect of reducing the performance of an actual investment portfolio.