The material provided is for informational purposes only. This material should not
be viewed as a complete description or representation of the securities or investment programs or
strategies discussed. This document is not an offer to sell or the solicitation of an offer to purchase
or subscribe for any investment. The information is not intended to be used as the basis for investment
decisions, nor should the information be construed as advice designed to meet your particular needs or
the particular needs of any individual investor. Different types of investments involve varying degrees of
risk and there can be no assurance that any specific investment or investment strategy will either be
suitable or profitable for your investment portfolio. Debt and equity investments associated with
some foreign countries may involve increased volatility and risk due to, without limitation, political risk,
sovereign risk, economic risk, currency risk, declines in credit quality, liquidity risk, and differences in
accounting standards. The nature and extent of these risks vary from country to country, among investment
instruments, and over time.
Estate Planning
