Important Disclosures

Privacy Disclosure

Please note that Beacon Trust provides services including investment advisory, financial planning, tax, trust & estate services through and banking services through Provident Bank, the parent company of Beacon Trust. Provident Protection Plus provides insurance related services and banking services through Provident Bank, the parent company of Provident Protection Plus. Please find the Privacy policies related to Beacon Trust, Provident Protection Plus, and Provident Financial Services here or at Privacy Notice | Beacon Trust

Electronic Communication Disclosures

Electronic Communications and Confidentiality

By responding ‘START’, filling out appropriate forms, or verbally providing consent to receiving electronic communications from Beacon Trust, Provident Protection Plus or Provident Financial services you are opting into receiving electronic communications regarding services offered by these firms or services on your account(s). By proceeding, you indicate that you've read our Privacy Policy and agree to our Terms of Use. If you have contacted your Beacon Trust, Provident Protection Plus or Provident Financial Services contact directly, please note you have given consent by action to respond to you via electronic communications. Messaging and/or data rates may apply. Messaging frequency varies.

Electronic communication and any attachments may contain proprietary, confidential, or privileged information. If you are not the intended recipient, you are hereby notified that you have received the electronic communication in error and that any review, disclosure, dissemination, distribution or copying of it or its contents is prohibited. The sender does not waive confidentiality or any privilege by mis-transmission. If you have received the electronic communication in error, please notify the sender immediately, delete the electronic communication completely from your system, and destroy all copies and any attachments.

All electronic communications will be maintained in a manner consistent with our legal and regulatory requirements regarding client and public communications. Please Reply HELP at any time for additional assistance or reply STOP to unsubscribe at any time.

Trading Instructions Disclosure

Please note that, at this time, trading instructions of investments and insurance coverage changes, additions, or deletions cannot be done by electronic communications, inclusive of email or any other methods. Any communications related to trades or changes requested to insurance policies received via electronic communications will not be honored. Please direct any such communications to your contact at Beacon Trust or Provident Protection Plus via phone.

Electronic Communications Opt out

If you wish to opt out of electronic communications, you may do so at any time. To opt out of email receipt, please update your preferences here: https://go.beacontrust.com/subscription-management. To opt out of any text communications, please reply STOP to the sender.

Investment Products Disclosure

SECURITIES AND INVESTMENT PRODUCTS:

NOT FDIC INSURED
MAY GO DOWN IN VALUE
NOT GUARANTEED BY A BANK OR BANK AFFILIATE
NOT A DEPOSIT
NOT INSURED BY ANY GOVERNMENT AGENCY

Beacon Investment Advisory Services, Inc. (“BIAS”) is an SEC registered investment adviser, under the name Beacon Trust, and is wholly owned by Beacon Trust Company (“BTC”), which is a subsidiary of Provident Bank. Provident Bank is a subsidiary of Provident Financial Services, Inc., a holding company whose common stock is traded on the New York Stock Exchange. Beacon Trust does not provide investment advice for any affiliated securities or obligations. Beacon Trust may only transact business in those states where they are notice filed or qualify for a corresponding exemption from notice filing requirements. Additional information is contained in the respective Form ADV disclosure documents, the most recent versions of which are available on the SEC’s Investment Adviser Public Disclosure website at http://www.adviserinfo.sec.gov or below.

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. Beacon Trust does not make any representation that any of its investments on behalf of clients or any other investments will or are likely to achieve returns similar to those shown in the performance results presented.

Past performance is not a predictor of future results. It should not be assumed that any information discussed in communications with Beacon Trust will prove to be profitable or that decisions in the future will be profitable or provide similar results. Benchmark returns include reinvestment of capital gains and dividends, if any, but do not reflect any fees or expenses. 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.

Any discussion of tax matters contained within communication with Beacon Trust should not be used for the purpose of avoiding U.S. tax related penalties or promoting, marketing, or recommending to another party any transaction or matter addressed herein. Beacon Trust does not provide legal advice.