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Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, or legal advice. The information presented here is not specific to any individual's personal circumstances.

To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

Investment products:  Not FDIC Insured    No Bank Guarantee   May Lose Value

This communication may contain privileged and/or confidential information.  It is intended solely for the use of the addressee.  If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing or using any of this information.  If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy.  This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act.  You may not directly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information.

This communication is strictly intended for individuals residing in the state(s) of IN. No offers may be made or accepted from any resident outside the specific states referenced.