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IMPORTANT RISK DISCLOSURES

Investors should consider how the combined risks impact their total investment portfolio and understand that different risks can lead to varying financial consequences, including loss of principal.

Latest month end data as of December 31, 2020. Illustration purposes only.

Market cycle returns calculated using Ibbotson U.S. Equity Total Return Index from 1971–1978 and Russell 3000® Index from 1979 to 2020.

Any past performance is not necessarily a guide to future performance. Indexes are unmanaged and cannot be invested in directly.

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