Important information:

^{This is for informational purposes only and should not be interpreted as specific investment advice. Investors should make investment decisions based on their unique investment objectives and financial situation. While the information is believed to be accurate, it is not guaranteed and is subject to change without notice.}

^{Before investing in bonds, you should understand the risks involved, including credit risk and market risk. Bond investments are also subject to interest rate risk such that when interest rates rise, the prices of bonds can decrease, and the investor can lose principal value if the investment is sold prior to maturity.}

^{Investors should understand the risks involved in owning investments, including interest rate risk, credit risk and market risk. The value of investments fluctuates and investors can lose some or all of their principal.}

^{Past performance does not guarantee future results.}

^{Market indexes are unmanaged and cannot be invested into directly and are not meant to depict an actual investment.}

^{Diversification does not guarantee a profit or protect against loss in declining markets.}

^{Systematic investing does not guarantee a profit or protect against loss. Investors should consider their willingness to keep investing when share prices are declining.}

^{Dividends may be increased, decreased or eliminated at any time without notice.}

^{Special risks are inherent in international investing, including those related to currency fluctuations and foreign political and economic events.}