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Insurance and fixed annuities are offered through Solvay Bank Insurance Agency, Inc., a subsidiary of Solvay Bank. Insurance policies are obligations of the insurers that issue the policies. Solvay Bank Insurance Agency, Inc. is licensed to sell insurance in New York State and acts as agent for the issuing insurers.

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.