Important Legal Information

The information contained herein has been obtained from sources that we believe to be reliable, but its accuracy and completeness are not guaranteed. Russell Investments reserves the right at anytime and without notice to change, amend, or cease publication of the information. It has been prepared solely for informative purposes. It is made available on an "as is" basis. Russell Investments does not make any warranty or representation regarding the information. This material is proprietary and without prior written permission from Russell Investments, it may not be reproduced, in whole or in part, in any form, other than for your own personal, noncommercial use.

This is a publication of Russell Investments. Nothing in this publication is intended to constitute legal, tax, securities, or investment advice, not an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The contents in this publication are intended for general information purposes only and should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional concerning your own situation and any specific investment questions you may have.

For further information about the contents, please contact Russell Investments.

Russell Investmentsis a registered trademark of Russell Investments in the U.S. and/or other countries.

Any performance quoted represents past performance and should not be viewed as a representation of future investment performance of the stock market.

Even though all investments carry some level of risk, we believe risk can be managed through multiple levels of diversification. As with any type of portfolio structuring, attempting to reduce risk and increase return could, at certain times, unintentionally reduce returns.

International markets entail different risks than those typically associated with domestic markets, including currency fluctuations, political and economic instability, accounting changes, and foreign taxation. Securities may be less liquid and more volatile. Investments in emerging or developing markets involve exposure to economic structures that are generally less diverse and mature, and to political systems which can be expected to have less stability than those of more developed countries. Securities may be less liquid and more volatile than U.S. and longer-established international markets.

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