Important Consumer Disclosures

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Grey Ledge Advisors Disclosures

Grey Ledge Advisors is an SEC registered investment adviser located in Guilford, Connecticut and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration with the SEC should not be construed as an endorsement or an indicator of investment skill, acumen or experience. Grey Ledge Advisors’ website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Grey Ledge Advisors’ website on the Internet should not be construed by any consumer and/or prospective client as Grey Ledge Advisors’ solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet. A copy of Grey Ledge Advisors’ written disclosure statement discussing Grey Ledge Advisors’ business operations, services, and fees is available from Grey Ledge Advisors upon request. Grey Ledge Advisors does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Grey Ledge Advisors’ website or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users should be guided accordingly.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by Grey Ledge Advisors), or product made reference to directly or indirectly by Grey Ledge Advisors in its website, or indirectly via a link to an unaffiliated third party website, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indexes and/or categories, generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results. There are no assurances that a portfolio will match or outperform any particular benchmark.

Quarterly newsletters may include forward-looking statements. All statements other than statements of historical fact are forward-looking statements (including words such as believe, anticipate, may, should, and expect). Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct. Various factors could cause actual results or performance to differ materially from those discussed in such forward-looking statements. Views regarding the economy, securities markets, or other specialized areas, like all predictors of future events, cannot be guaranteed to be accurate and may result in economic loss to the investor. Quarterly newsletters are intended to provide general information only and should not be construed as an offer of specifically tailored individual advice. While Grey Ledge Advisors believes the outside data sources cited to be credible, it has not independently verified the correctness of any of their inputs or calculations and therefore, does not warranty the accuracy of any third-party sources or information.

Grey Ledge Advisors is a separate subsidiary of GSB. Grey Ledge Advisors is a registered investment adviser and makes investment recommendations that involve products that are not bank deposits, are not guaranteed by the bank, not FDIC insured, and involve investment risks, including the possible loss of principal.

Grey Ledge Advisors is not engaged in the practice of law or accounting. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.

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