DIRECTOR OF INVESTMENT STRATEGY

Christopher Sheldon is the director of investment strategy for BNY Mellon Wealth Management.  Mr. Sheldon is the chairman of the Investment Strategy Committee.  He and his team set capital market expectations and are responsible for making asset allocation and implementation recommendations.

DIRECTOR, FIXED INCOME INVESTMENTS

John is the director of fixed income for BNY Mellon Wealth Management.  He is responsible for all fixed income strategy, policy, and management on assets totaling more than $25 billion.  John leads a team of approximately 40 professionals located in Boston.  He is chairman of the Bond Strategy Committee, and is a member of the Investment Strategy Committee, Investment Policy Committee, and Asset Review Committee.

CHIEF ECONOMIST
THE BANK OF NEW YORK MELLON CORPORATION

Richard B. Hoey is chief economist and senior vice president of The Bank of New York Mellon, as well as chief economist of The Dreyfus Corporation. Mr. Hoey is responsible for monitoring all aspects of the economic environment for The Bank of New York Mellon and Dreyfus including the U.S. economy, the global economy and currencies. He works closely with the heads of various specialized equity and fixed income teams.  Mr. Hoey also serves as a principal spokesman for Bank of The New York Mellon and Dreyfus on economic and investment issues.