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This material should not be relied upon as investment, tax or legal advice, does not constitute a recommendation to buy or sell a security or other investment and is not intended to predict or depict performance of any investment. Investors must consult their tax advisor or legal counsel for advice and information concerning their particular situation.

All investments involve risk, including possible loss of principal. You should consider the investment objective, risks, charges and expenses carefully before investing in any investment product. For this and other important information about any fund, please refer to the most recent prospectus supplement, if applicable, and its accompanying prospectus. Read it carefully before investing.

NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE