INVESTMENTS

Glens Falls National Investment Services offers access to a full range of investments – stocks, bonds, mutual funds and annuities – through our partnership with UVEST Financial Services, a registered broker/dealer.

• Stocks: Brokerage services are available to our clients along with advice on their investment choices.

• Bonds: A bond is traditionally a conservative investment, compared to stocks. There are an array of corporate and tax-free bonds.

• Mutual Funds: A mutual fund is an investment vehicle that affords the average investor the opportunity to purchase a variety of securities in a professionally managed, diversified portfolio. There are literally thousands of mutual funds to choose from, ranging from very conservative to very aggressive, taxable and non-taxable.

• Annuities: An annuity is an investment product made available by insurance companies. There are many advantages of annuities connected to their ability to grow on a tax-deferred basis. There are several types of annuities, fixed, immediate and variable, to fit your financial objective.

• Financial Planning: For higher net worth individuals a comprehensive financial plan is essential to meeting financial goals and objectives. Our Certified Financial PlannerTM prepares a customized formal plan that covers the areas of personal net worth, cash flow analysis, investment planning, college planning, insurance planning and retirement and estate planning.

For more information on these investments, please contact a financial consultant at Glens Falls National Investment Services.

INSURANCE AND INVESTMENT PRODUCTS:

Securities (including mutual funds and annuitis) are offered through UVEST Financial Services (Member FINRA and SIPC), Four Broad Street Plaza, Glens Falls, NY 12801. UVest and Glens Falls National Bank and Trust Company are independent entities.

Investors should carefully consider the investment objectives, risks, charges and expenses of The North Country Funds®. Other fees and expenses do apply to a continued investment in the fund. This and other information about The North Country Funds® is contained in the prospectus, which can be obtained by calling (518)793-8013 or (518)324-5623. The prospectus should be read carefully before investing. The North Country Funds® are distributed by Aquarius Fund Distributors, LLC., Member NASD.

The North Country Funds® are a Registered Service Mark of North Country Investment Advisors, Inc.

Insurance products are offered through Capital Financial Group, Inc. (South Glens Falls, N.Y.)
Capital Financial Group, Inc. is a non-bank subsidiary of Glens Falls National Bank and Trust Company
and is licensed to sell insurance in New York State
and act as an agent for issuing insurers.
Insurance policies are obligations of the insurers that issue the policies.