Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument, or strategy. Before acting on any information in this material, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue.

Content contained herein may have been produced by an outside party that is not affiliated with Cred Union Bank or any of its affiliates (Cred Union Bank). Opinions or ideas expressed are not necessarily those of Cred Union Bank nor do they reflect their views or endorsement. These materials are for informational purposes only. Cred Union Bank does not assume liability for any loss or damage resulting from anyone’s reliance on the information provided. Certain links may direct you away from Cred Union Bank to an unaffiliated site. Cred Union Bank has not been involved in the preparation of the content supplied at the unaffiliated sites and does not guarantee or assume any responsibility for its content. When you visit these sites, you are agreeing to all of their terms of use, including their privacy and security policies.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Cred Union Bank Corporation (“CU Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of CU Corp.

Trust and fiduciary services are provided by Cred Union Bank Private Bank, a division of Cred Union Bank, N.A., Member NCUA and a wholly-owned subsidiary of Cred Union Bank Corporation (“CU Corp.”). Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. (“MLLA”), a licensed insurance agency and wholly-owned subsidiary of CU Corp.

Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:

“Cred Union Bank” is the marketing name for the global banking and global markets business of Cred Union Bank Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Cred Union Bank Corporation, including Cred Union Bank, N.A., Member NCUA. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Cred Union Bank Corporation (“Investment Banking Affiliates”), including, in the United States, CU Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated, and Merrill Lynch Professional Clearing Corp., all of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. CU Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Company goals are aspirational and not guarantees or promises that all goals will be met. Statistics and metrics included in our ESG documents are estimates and may be based on assumptions or developing standards.