big ideas webinar...big ideas webinar putting money to work in a volatile market may 13 th, 2020...

BIG IDEAS WEBINARPutting Money to Work in a Volatile Market

May 13th, 2020

Securities offered through FSC Securities Corporation, Member FINRA/SIPC. Advisory and insurance services offered through Stavis & Cohen Financial, a Registered Investment Advisor not affiliated with FSC Securities Corporation. None of the entities mentioned are affiliated with FSC Securities Corporation. The views expressed are not necessarily the opinion of FSC Securities Corporation and should not be construed, directly or indirectly, as an offer to buy or sell and securities mentioned herein. Investing is subject to risks including loss of principal invested. No investment strategy, including diversification, asset allocation and re-balancing, can guarantee a profit or protect against loss. Although the information has been gathered from sources believed to be reliable, it cannot be guaranteed and the accuracy of the information should be independently verified. This material contains forward looking statements and projections. There are no guarantees that these results will be achieved. Past performance is no guarantee of future returns. Index performance does not reflect the deduction of any fees and expenses, and if deducted, performance would be reduced. Indexes are unmanaged and investors are not able to invest directly into any index. Past performance cannot guarantee future results. Investing involves risk including the potential loss of principal.

Host

Kyle McCullyChief Business Development OfficerStavis & Cohen Financial

About

We are a privately held, Houston-based wealth planning firm with the experience and culture to deliver a powerful combination of high tech and high touch planning to help multi-generational families manage the complexities of their wealth.

Featured Speaker

Jun GuPortfolio ManagerStavis & Cohen Financial

Top Active Managers Deliver Value

Source: FactSet; Lipper Analytical Services; Russell Investment Group; Jefferies

4.70%

0.40%

-3.70%

2.80%

-1.00%

-4.70%

1.10%

-1.70%

-4.50%

-6.00%

-4.00%

-2.00%

0.00%

2.00%

4.00%

6.00%Small Cap

Mid Cap

Large Cap

Active Manager Performance vs Benchmark (Average Annual return since 1999)

25% Percentile vs. Benchmark

Medianvs. Benchmark

75% Percentilevs. Benchmark

Guest Speaker

Chulantha De Silva Senior Investment AnalystGQG Partners

AS OF MARCH 31,2020

Mutual FundsGQG PartnersFunds

1Q 2020 FUNDS OVERVIEW

GQG Partners Emerging Markets Equity FundInstitutional: GQGIX | Investor: GQGPX | Retirement*:GQGRX

GQG Partners Global Quality Equity FundInstitutional: GQRIX | Investor: GQRPX | Retirement*: GQRRX

GQG Partners US Select Quality EquityFundInstitutional: GQEIX | Investor: GQEPX | Retirement*: GQERX

*Retirement Class (Class R6) shares of any GQG Partners Fund are only available to employee benefit plans that are sponsored by one ormore employers or employee organizations. Such employee benefit plans must purchase R6 shares through a plan level or omnibusaccount.

Our Story

AS OF MARCH 31,2020 8

GLOBAL The breadth of our investment strategies and the diversity ofour clients.QUALITY The conviction of our investment philosophy and our commitment toclient service.GROWTH Foremost, the objective of compounding clientcapital.

We believe that investment knowledge is cumulative, grown collectively over the years like the rings of a tree. Our performance track record, like the rings ofa tree, will show the various environments in which we have operated, as well as our own maturity and evolution. Just as each tree’s rings tell its unique story, GQG Partners LLC isours.

GQG Partners LLC

OUR OBJECTIVE IS THE GROWTH OF OUR CLIENTS’ ASSETS THROUGH POSITIVECOMPOUNDING

Understanding Investment Risk


The information provided in this document does not constitute investment advice and no investment decision should be made based on it. Neither the information contained in thisdocument or in any accompanying oral presentation is a recommendation to follow any strategy or allocation. In addition, neither is a recommendation, offer or solicitation to sell or buy anysecurity or to purchase of shares in any fund or establish any separately managed account. It should not be assumed that any recommendations made by GQG Partners LLC (GQG) in thefuture will be profitable or will equal the performance of any securities discussed herein. Before making any investment decision, you should seek expert, professional advice, including taxadvice, and obtain information regarding the legal, fiscal, regulatory and foreign currency requirements for any investment according to the law of your home country, place of residence orcurrent abode.

This document reflects the views of GQG as of a particular time. GQG’s views may change without notice. Any forward-looking statements or forecasts are based on assumptions and actualresults may vary.

GQG provides this information for informational purposes only. GQG has gathered the information in good faith from sources it believes to be reliable, including its own resources and thirdparties. However, GQG does not represent or warrant that any information, including, without limitation, any past performance results and any third-party information provided, is accurate,reliable or complete, and it should not be relied upon as such. GQG has not independently verified any information used or presented that is derived from third parties, which is subject tochange. Information on holdings, allocations, and other characteristics is for illustrative purposes only and may not be representative of current or future investments or allocations.

The information contained in this document is unaudited. It is published for the assistance of recipients, but is not to be relied upon as authoritative and is not to be substituted for theexercise of one's own judgment. GQG is not required to update the information contained in these materials, unless otherwise required by applicable law. No portion of this documentand/or its attachments may be reproduced, quoted or distributed without the prior written consent of GQG.

GQG is registered as an investment adviser with the U.S.Securities and Exchange Commission. Please see GQG’s Form ADV Part II, which is available upon request, for more information aboutGQG.

Any account or fund advised by GQG involves significant risks and is suitable only for those persons who can bear the economic risk of the complete loss of their investment. There is noassurance that any account or fund will achieve its investment objectives. Accounts and funds are subject to price volatility and the value of a portfolio will change as the prices ofinvestments go up ordown.

The Funds are newly organized entities and do not have an operating history upon which prospective investors can evaluate their potential performance. The past performance of GQG’spersonnel, Funds, or other funds or accounts managed by the Adviser are not necessarily indicative of the future results of a Fund or of an investment in a Fund.

Investing involves risk, including possible loss of principal. There is no guarantee a Fund will achieve its stated objective. Stock prices of small- andmid-size companies may be more volatile and less liquid than those of large companies. International investments may involve risk of capital lossfrom unfavorable fluctuation in currency values, from differences in generally accepted accounting principles or from social, economic or politicalinstability in other nations. Emerging markets involve heightened risks related to the same factors as well as increased volatility and lower tradingvolume. The Funds are non-diversified. Investments in commodities are subject to higher volatility than more traditional investments. Tradingthrough Stock Connect is subject to a number of restriction that may affect the Fund's investments and returns, including a daily quota that limitsthe maximum net purchase under theStock Connect each day.You should carefully consider the investment objective, risks, charges, and expenses of a Fund before investing. A Fund’s prospectus andsummary prospectus contain this and other important information about the Fund, which can be obtained by calling +1(866) 362-8333 orvisiting gqgpartners.com. Please read the prospectus carefully before investing. A Fund’s Statement of Additional Information can also beobtained by calling +1 (866) 362-8333 or visitinggqgpartners.com.

SEI Investments Distribution Co. is the distributor for GQG Partners Funds and is not affiliated with GQGPartners.

Important information

Table ofContents


CHAPTER TOPIC PAGE

I Firm Overview 6

II Investing Overview 9

Appendix Additional Information 21

GQGGives 21BiographiesImportant Information

2231

Firm Overview


Chapter I

Firm Overview

FIRM FACTSAS OF MARCH 31,2020

Year Founded2016

FoundersCIO, Rajiv Jain, 26 years of experienceCEO, Tim Carver, 24 years of experience

Research Mosaic13 analysts, traditional andnon-traditional

Independent and Majority Employee-Owned

Regulatory AUM†

US$29.2billion

Number of Associates76

HeadquartersFort Lauderdale,FL

Additional OfficesLondon, United Kingdom1

New York, NYSeattle, WASydney, Australia2

InvestmentVehiclesAU/NZ Managed FundsCollective Investment Trusts (CITs) Private FundsSeparate AccountsUCITSFundsUS MutualFunds

11.6

9.08.1

0.5

GLOBALEQUITY EMERGING MARKETS EQUITY INTERNATIONAL EQUITY USEQUITY

About GQG Partners LLC

REGULATORY AUM† BY STRATEGY US$BILLIONS

17.5

7.4

REGULATORY AUM† BYCHANNELUS$BILLIONS

4.3

19.26.3

3.7

REGULATORY AUM† BYGEOGRAPHYUS$BILLIONS

Institutional Intermediary Sub-Advisory Americas EMEA AsiaPacific


† Regulatory assets under management (AUM) represent both discretionary and non-discretionary funds† Strategy assets round to the nearest US$100million.1 Subsidiary office of GQG Partners (UK)Ltd.2 Subsidiary office of GQG Partners (Australia) PtyLtd.

Firm OverviewCompetitive edge

CLIENTALIGNMENTGQG Partners LLC strives to be a benchmark of client alignment for the industry.– The majority of our CIO’s (Rajiv Jain) and CEO’s (Tim Carver) personal net worth are invested in GQG and alongside clients in its

investment products

– Employees are invested in shares of GQG Partnersfunds– GQG Partners LLC is a fully independent and majority employee-owned firm– We restrict personal securities trading byemployees– We believe our fees are fair and reasonable, and offer performance-based fees that adjust as a function of alphageneration

FORWARD-LOOKING QUALITYWe build upon an enduring investment philosophy managed by an experiencedteam.– Rajiv Jain has 25+ years of global investing experience in seeking quality companies selling at reasonableprices– He developed forward-looking quality as his proprietary approach to quality investing– Forward-looking quality focuses on the compounding potential of a company versus a value-growth style boxframework

RESEARCHMOSAICThe research mosaic seeks an insight advantage versus an information advantage.– Traditional and non-traditional analysts help to develop a differentiated and comprehensive view on some of the world’s most

well-known companies– Non-traditional analyst backgrounds include investigative journalism, specialized accounting, and creditanalysis

Q


Investing Overview


Chapter II

JAMES ANDERS,CFASenior Investment Analyst

CAROLYN R. CUISenior Investment Analyst

POLYANA DA COSTAP

Senior InvestmentAnalyst

26 years of professionalexperience

Mercator Asset Management Consilium Investment Management


The Wall Street JournalDow Jones & Company


Daily BusinessReview Bankrate.com

CHULANTHA DE SILVASenior InvestmentAnalyst

BRIAN KERSMANCP

Senior Investment AnalystPHIL LOGRASSO, PhDSenior InvestmentAnalyst


Credit SuisseCitigroup

12 years of professional experience

Jennison AssociatesBrown Brothers Harriman


Senzar Asset ManagementMerck

TRICIA MEAVE, CFASenior Investment Analyst

SUDARSHAN MURTHY, CFAP

Senior Investment AnalystSTEVESMIGIE

Senior Investment Analyst


USAAHansberger Global Investors


Matthews InternationalCapital Sanford C.Bernstein


Raymond JamesNeedham & Company

LING ZHANG, CFASenior Investment Analyst

MICHAEL D. CONKRIGHT, PhDInvestment Analyst

ALEX PLOUGHAssociate Investment Analyst


DSM Capital PartnersBasso Capital Management


Scripps Research InstituteSalk Institute for BiologicalSciences


DebtwireCitywire

DAVID TUTHILL†

TraderKYLE SALMON†

TraderMIKE CAHILL†

Trader


Port Meadow CapitalManagement SAC Capital Advisors (Point72)


Artisan PartnersStrong Capital Management


Junto CapitalRedburn Partners

Investing OverviewThe investment team

Accounting Specialist

Business Analyst

Capital StructureSpecialist

Domain Expertise Specialist

Investigative Specialist

Trader†

The investment team is comprised of seasoned investment analysts from the traditional buy-side,and non-traditional backgrounds, such as investigative journalism.

All analysts, including Rajiv Jain, function as generalists and are involved in every stage of the idea generationand researchprocess.

The team is a flat structure built to fosterindependent thinking and devil’s advocacy.

LEGEND

Portfolio Manager

Professional experience refers to experience in investment and non-inves(t†m

) ent sectors. Any previous experience identified may not be a

comprehensive representation of an assoc(iLa

)te’s entire professional history. Trader

(s

P)report to the Chief Operating Officer but are considered

an integral part of the investment team. Denotes the Lead Portfolio Manager. Denotes a partner. Any reference to a partner of GQGPartners LLC is to an individual who holds an indirect beneficial equity ownership in GQG Partners LLC, a Delaware limited liabilitycompany.

INVESTMENT SUPPORT TEAM

ROB MATHAI, CFA, Chief of StaffP

PETER MASFORROLL, CFA, Quantitative AnalystJOSH SNYDER, CFA, PortfolioAnalyst

RAJIVJAINP L

Portfolio Manager, Senior InvestmentAnalyst


Vontobel Asset Management Swiss Bank Corporation


Investing OverviewAlpha proposition

QAS OF MARCH 31,2020 16

INVESTMENTOBJECTIVE

GQG Partners Funds seek long-term capitalappreciation.

FORWARD-LOOKING QUALITY

— Many ‘quality’ investors emphasize historical metrics as indicators of quality.

— Driven by behavioral biases, these investors focus on the most recent past, too often causing them to dramatically underestimate how quality is changing and over/underprice the long-term value of many companies.

— Forward-looking quality is less reliant on backward-looking statistical measures and places a heavy emphasis on qualitative assessments of barriers toentry, sustainability and overall industry dynamics.

— We believe this view of quality allows us to strip away labels like value and growth in favor of long-term compounding.

— Our differentiated research mosaic focuses on gaining clarity on future (longer term) projected earnings and allows us to become comfortable with the durability/sustainability ofa company’s competitive advantage.

NOTE: There can be no guarantee that a Fund will achieve its investment objectives.

Investing OverviewOur investment process

IDEAGENERATION

Process: Proprietary screen (involving ROE1/ROA2, gross and operating margins, and marketcap) combined with organic idea generation from the researchteam

Result: Generates 350-400potential opportunities for forward-looking quality from a universe of ~50,000 global securities

ANALYZE & PRICE

Process: Analyze past results, research future growth opportunities, assess risk and estimate a reasonable price

Result: Reduce pool of ~350quality companies to a smallsubset

PORTFOLIOCONSTRUCTION

Process: Build a concentrated and unconstrained portfolio

Result: Portfolio of 15-80* holdings with a high alpha3 proposition over a full market cycle

350-400 QUALITY COMPANIES 120-150 DURABLE COMPANIES 15-80 PORTFOLIO COMPANIES*1Return on equity (ROE) is the amount of net income returned as a percentage of shareholder equity.


2Return on assets (ROA) is the amount of net income returned as a percentage of totalassets.3Alpha is defined as the excess return of the Fund relative to the return of the benchmark

*Perstrategy

Idea GenerationKnowledge is cumulative

— Broad-based idea generation

— Insight-driven process

— Capitalizes on cumulative knowledge

— Not screen-dependent

INDUSTRYNETWORK

PROPRIETARYSCREEN

INVESTMENTIDEA

CUMULATIVE KNOWLEDGE


Analyze

BUSINESS ANALYSTS

INVESTIGATIVE SPECIALISTS

ACCOUNTING SPECIALIST

DOMAIN EXPERTISE SPECIALIST

How is the company usingdebt?

How is the debt termedout?

How is the credit marketpricing the risk of the company?

Our research mosaicIs management transparent and truthful?

How does the competition thinkof the company?

Are there any blind spotstraditional research analysts are missing?

Is the company susceptibletodisruption?

Is the company creating acompetitiveadvantage?

Are there any risks we shouldevaluate?

How does the company apply accounting standards relative to the competition?

Is the company accuratelymeasuring intangibles andgoodwill?

Is the accounting under/ overestimating short-term earnings?

INVESTMENTIDEA

ENTRYPOINTAND PRICEANALYSIS

CAPITAL STRUCTUR

E SPECIALIST


PriceValuation process

VALUATION SENSITIVITYA good company may not provide a good investment return if you pay too much for it. In looking at any company, we seek to remove the labels of value and growth in favor of compounded return. Our valuation model aims to find attractive returns in companies that would traditionally wear both the value and growth monikers.

ESTIMATE MULTIPLE2 RATEHistorical range of 8x to15x

INFORMATION TECHNOLOGY IN US 20% 25x 6% ~35%

CONSUMER STAPLES IN SWITZERLAND 10% 10x 6% ~38%

FINANCIALS IN INDIA 5% 17x 6% ~30%Note: All values are hypothetical and for illustrative purposes only. 1Earnings per share (EPS) is the portion of a company’s profit allocated to each share of common stock. 2Terminal multiple is used to project a company’s terminal value in discounted cashflow analysis by dividing estimated enterprise value by earnings over a period.

Terminal multipleon Year 5earnings

estimate

10x

8% EPS1 GROWTH 10x TERMINAL 6% DISCOUNT

2.0

Yr 0 Yr5


2.9 29.0

22.0

4.9

FVuatluuree PVreaslueentDividend

26.9

17.4

BuVsailnueessCPurirceent

~30% DISCOUNT

— All of our portfolios are constructed with an absolute mindset, but remain fully invested under normal market conditions.

— We follow broad portfolio guidelines (see below) that we believe provide sensible diversification parameters.

— One of the key aspects of our portfolio construction is the idea of end consumer risk. While difficult to quantify, our portfolio construction considers how much exposure to certain end consumer risks are present with the addition or removal of any name.

Portfolio ConstructionA focus on end consumerrisk

CHARACTERISTIC


PARAMETER RATIONALECash Fully invested under normal market conditions Quality companies have strong balance sheets

Position Size Maximum 7% (except US portfolios; maximum 10%) High-conviction portfolios

Number of HoldingsEmerging Markets~40-80 Global ~40-60US~15-30

Avoid closet indexing

SectorAt least five sectors at all times(except US portfolios; no sector restrictions, but maximum 25% in a single industry)

Manage sector concentration risks

Country Maximum 20% overweight relative to thebenchmark (except US portfolios; norestrictions) Avoid extreme country and currencyrisks

Market Capitalization No restrictions Larger cap focus, but opportunistic

Volat ility No tracking error restrictions Focus on absolute risk rather than relative risk

Our Key Risk Management Considerations

– The greatest risk is “getting the businesswrong”– Diversify across risk factors impacting companies

in the portfolio– Focus on absolute volatility, not relativevolatility

– Focus on end consumer risks across companies in the portfolio

– Focus on headroom and market share growth —avoid ’value traps’

– Focus on attractive entry points, manageliquidity

Investing OverviewSell discipline

SELLREASON


ILLUSTRATION

A more attractive opportunity has beenidentified Maintain a portfolio of high-qualitycompanies

Meaningful deterioration of thefirm’s long-term earnings growth prospects

Addressable market share has been reduced and financial metrics are indicating a slow down

Loss of long-term competitive advantage Technology disruption

Transformative merger/acquisition-related activity Management no longer incontrol

Inability to reconcile data points (i.e., something isamiss) Red flag accounting issues or change in managementdirection

Our price target has been met relative to the current growth of the company The company’s risk and return trade-off is no longer attractive

The stability of the country impacts the liquidity and price appreciation of acompany

Quality companies are susceptible to unstable governments andpolicy changes

We endeavor to be long-terminvestors.

— We seek high-quality companies that we believe will compound capital at a reasonablerate.

— As objective investors, we aredata-driven.

— Turnover is a byproduct of our sell discipline.

Investing OverviewIn conclusion

CLIENTALIGNMENT

Independent, majority employee-owned, and invested alongside you.

FORWARD-LOOKING QUALITY

Emphasizing barriers to entry, sustainability, and headroom.

RESEARCHMOSAIC

Seeking a distinctive insight advantage.

Q


Fund InformationGQG Partners Strategies

Institutional Investor Retiremen3t

Class Class Class


Institutional Investor Retiremen3t

Class Class Class Institutional Class Class Retirement Class

TickerSymbol GQGIX GQGPX GQGRX GQRIX GQRPX GQRRX GQEIX GQEPX GQERX

CUSIP 00771X419 00771X427 00771X393 00774Q692 00774Q718 00774Q684 00774Q866 00774Q874 00774Q858

Minimum Investment US$ 500,000 2,500 NA 500,000 2,500 NA 500,000 2,500 NA

Expense Ratio % net/gross 0.981/1.07 1.171/1.26 0.981/1.07 0.751/1.24 1.001/1.49 0.751/1.24 0.492/1.77 0.612/4.13 0.492/3.71

Inception Date December 28,2016 March 29,2019 September 28,2018

Benchmark MSCI Emerging Markets Index (Net) MSCI ACWI(Net) S&P500®

GQG Partners EmergingMarkets EquityFund

GQG Partners GlobalQuality EquityFund

GQG Partners US SelectQuality EquityFund

Investor3

1GQG Partners is contractually waiving fees until November 30,2020.2GQG Partners is contractually waiving fees until March 31, 2021.3Retirement Class (Class R6) shares are only available to employee benefit plans that are sponsored by one or more employers or employee organizations. Such employee benefit plans must purchase R6 shares through a plan level or omnibus account.

CAPACITY NOTICE: In November 2019, GQG Partners LLC announced the initiation of the Emerging Markets Equity strategy soft close at US$10.0 billion for separately managed accounts (only existing investors will be able to add). Other Emerging Market Equity investment vehicles offered will consider soft closures as capacity levels mature.

For more information about GQG Partners and our investment strategies,please contact your GQG Partners representative or email [email protected].


Contact Us

FORTLAUDERDALE

GQG PartnersLLC450 East Las Olas Boulevard Suite 750

Fort Lauderdale, FL33301

+1 (754)218–5500

LONDON

GQG Partners (UK)Ltd.111 Buckingham Palace Road London

SW1W0SR

+44 (0) 20 73408572

NEW YORK

GQG Partners LLC 55 W 46th Street 28th Floor

New York, NY10036

+1 (754)218–5500

SEATTLE

GQG Partners LLC701 PikeStreetSuite 2175Seattle, WA98101

+1 (754)218–5500

SYDNEY

GQG Partners (Australia) PtyLtdLevel 29 Chifley Tower 2 Chifley Square

Sydney NSW Australia, 2000

+61 2 92388093

mailto:[email protected]

Additional Information


Appendix

AppendixGQGGIVES

As a firm, we are committed to improving the lives of our clients, our associates and our communities. GQG GIVES has been established to honor our commitment to our communities and support our associates in both their own charitable endeavors and directing those of the firm at large. The program consists of three maincomponents:

1. CHARITABLE CONTRIBUTION MATCHINGIn support and encouragement of associate philanthropy, GQG Partners commits that each associate’s charitable donations to qualified non-profits will be matched dollar for dollar, up to US$5,000 per calendar year per associate.

2. GQG PARTNERS COMMUNITY EMPOWERMENT FOUNDATIONThe Jain family has founded and graciously funded the GQG Partners Community Empowerment Foundation to help us impact our associates’ communities in the name of GQG Partners LLC. Charitable giving from the Foundation focuses on three core areas dear to our Chairman’s heart: education for first-generation students, women’s rights and education, and access to food and healthcare for the extremely impoverished. The foundation is funded and operated entirely independent of GQG Partners LLC.

3. COMMUNITY ENGAGEMENTGQG GIVES will support events and projects that engage associates with their local communities. The program will explore, organize and oversee activities like 2018’s Riverwalk Run in Fort Lauderdale, holiday adopt-a-family drive, and development of community volunteer projects and similar initiatives to facilitate communityinvolvement.


RAJIV JAIN, Chairman & Chief Investment OfficerPRajiv is the Chairman and Chief Investment Officer of GQG Partners LLC and also serves as the lead portfolio manager for all GQG Partners LLC strategies. He commenced investment operations at GQG Partners LLC in June 2016 with over 25 years of investment experience. Previously, Rajiv served as a Co-Chief Executive Officer (from July 2014) and Chief Investment Officer and Head of Equities (from February 2002) at Vontobel Asset Management. He was the sole portfolio manager of the International Equities strategy (since 2002) and Emerging Markets Equities strategy (since 1997), and the lead portfolio manager for the Global Equities strategy (since 2002). Rajiv helped build the business from less than US$400 million under management to just under US$50 billion in 2016. He joined Vontobel Asset Management as a co-portfolio manager of Emerging Markets Equities and International Equities in November 1994. Prior to that, he was an International Equity Analyst at Swiss Bank Corporation. Rajiv earned an MBA in Finance and International Business from the University of Miami. He also has a master’s degree from the University of Ajmer and an undergraduate degree in accounting with honors.

JAMES ANDERS, CFA, Senior Investment Analyst

James joins GQG Partners LLC from Mercator Asset Management where he was a Senior VP and research analyst. His regional research responsibilities were Benelux as well as Latin America. He has extensive experience in the international equity arena, including developed Europe, emerging markets in Asia and Latin America, and frontier markets in Africa and the Middle East. He previously served as a research analyst at Consilium Investment Management in Ft. Lauderdale from 2008 to 2013, where he focused most recently on emerging and frontier markets equities. James began his career in 1993, serving in a variety of investment roles with several boutique investment firms in the NYC area. From 2002 to 2008, he served as Senior Analyst with SGS Asset Management in Boca Raton, FL and Hong Kong. James completed his MBA at Columbia Business School and earned a BA degree in Economics from Hamilton College. He is a CFAcharterholder.

CAROLYN R. CUI, Senior Investment AnalystCarolyn is a senior investment analyst on the firm’s investment team. She joins GQG Partners LLC after almost 15 years at The Wall Street Journal, where she was a Research Analyst for the China Bureau before becoming a staff correspondent covering emerging markets, commodities, and US Treasuries. She began her career as a Copy Editor for Shanghai Daily before joining Dow Jones & Company, the WSJ’s parent company, as a translator. Carolyn earned an MA from Columbia University Graduate School of Journalism and a BS in English and Economics from Shanghai Jiao TongUniversity.

AppendixInvestment team biographies

Portfolio Manager Accounting Specialist BusinessAnalyst Capital StructureSpecialist Domain Expertise Specialist Investigative Specialist Trader PPartner


POLYANA DA COSTA, Senior Investment AnalystPPolyana is a senior investment analyst on the firm’s investment team. Prior to joining GQG Partners LLC, Polyana served as editorial director at ABUV Media, helping oversee the launch of personal finance site MoneyGeek.com. Before that, she served as Bankrate.com’s senior mortgage reporter and analyst for four years, where she wrote about real estate and mortgages. Polyana has over a decade of experience as a business journalist, writing about a variety of financial topics including the mortgage market, commercial real estate and public companies. Polyana has won several journalism awards and has been cited by CNN Money, Forbes, Fiscal Times and other news outlets. Polyana, who speaks English, Spanish, and Portuguese, holds a BA in Journalism from San Francisco State University.

CHULANTHA DE SILVA, Senior InvestmentAnalystChulantha is a senior investment analyst on the firm's investment team. Prior to joining GQG Partners LLC, he spent 10 years at Credit Suisse on the Asia Pacific Equities Research sales desk. Chulantha started his career at HSBC Securities and worked in New York and Asia. Then he joined Citigroup on the Asian Equities Research sales desks. He comes with more than 15 years of experience in international equities. Chulantha holds a BA in Economics from WashingtonCollege.

BRIAN KERSMANC, Senior Investment Analyst & Deputy Portfolio Manager of InternationalEquityP

Brian is a deputy portfolio manager for GQG Partners LLC’s International Equity strategy since 2019 and has been a senior investment analyst on the investment team since he joined the firm in 2016. Prior to joining GQG Partners LLC, Brian spent six years at Jennison Associates, where he served most recently as an analyst on the Small/Midcap Equity Research team, focusing on a wide array of sectors from real estate equities including building products manufacturers, title insurers, and homebuilders to industrials competing in the aerospace and automotive end markets. Prior to Jennison, Brian began his career at Brown Brothers Harriman in 2008. Brian earned his MBA at Rutgers University and his BA in Economics from the University of Connecticut.

PHIL LOGRASSO, PhD, Senior InvestmentAnalystPhil is a senior investment analyst on the firm’s investment team. Prior to joining GQG Partners LLC, he spent six years at Senzar Asset Management where he was a senior research analyst. Phil spent 12years doing drug discovery and development within the pharmaceutical industry with the bulk of that time being spent at Merck. After his industrial career, he spent one year as a program officer at the National Institutes of Health and moved to academia where he was a Professor of Molecular Therapeutics and Neuroscience at The Scripps Research Institute for 11 years. Phil did postdoctoral training in cardiovascular disease at the Sandoz Research Institute after receiving a PhD in Pharmacology from the University of Florida, an MS in Biochemistry from Florida State University, and a BA in Chemistry from New York University.




TRICIA MEAVE, CFA, Senior Investment AnalystTricia is a senior investment analyst on the firm’s investment team. She joins GQG Partners LLC from USAA where she was a Senior Equity Research Analyst focusing on US and global financials, fintech and industrial aerospace and defense sectors. Prior to USAA, Tricia spent 10 years as an equity analyst at Hansberger Global Investors where she researched opportunities within the global financial consumer and industrial sectors. Tricia has extensive experience in equity research and began her career at Guggenheim Partners as an equity analyst in 2000. Tricia earned her MBA and BS degrees from the University of Kansas. She was awarded a Fulbright Scholarship in 1994 and is a CFA charterholder.

SUDARSHAN MURTHY, CFA, Senior Investment Analyst & Deputy Portfolio Manager of Emerging Markets EquityP

Sudarshan is a deputy portfolio manager for GQG Partners LLC’s Emerging Markets Equity strategy since 2019 and has been a senior investment analyst on the investment team since he joined the firm in 2016. Prior to joining GQG Partners LLC, he spent five years as a generalist analyst in Asian equities at Matthews International Capital. Sudarshan’s previous experience also includes working as a sell-side research associate at Sanford C. Bernstein. Earlier in his career, Sudarshan held various operational roles in the IT services industry including five years at Infosys where he was assistant to the Chairman of the Board and was instrumental in starting the company’s life sciences business. Sudarshan graduated as a Palmer Scholar (top 5% of graduating class) in the Wharton MBA program. He also received a Post Graduate Diploma in Management from the Indian Institute of Management, Calcutta and a Bachelor of Engineering from the National Institute of Technology, Surathkal in India. He is a CFA charterholder (since2008).

STEVE SMIGIE, Senior Investment AnalystSteve is a senior investment analyst for GQG Partners LLC with over 20 years of investment experience. Prior to joining GQG Partners LLC in 2017, he was a Managing Director covering semiconductors as an Equity Research Analyst at Raymond James. Steve was at Raymond James for 16 years. Prior to Raymond James, he worked at Needham & Company in Investment Banking and Equity Research for a total of four years. Steve received an MBA from Duke University, the Fuqua School of Business, and a BA with honors from BucknellUniversity.




LING ZHANG, CFA, Senior Investment AnalystLing is a senior investment analyst on the firm’s investment team. She started her career on the buy-side as a Senior Analyst at Forest Investment in 2004. She then worked as a Senior International Analyst at Basso Capital Management and as a Portfolio Manager and Equity Analyst at DSM Capital Partners. Prior to her buy-side experience, Ling worked with the Global M&A Group at Lehman Brothers and at KBC Financial Products. Ling graduated summa cum laude from Smith College with a BA in Economics and earned her MBA from the Massachusetts Institute of Technology Sloan School of Management. She was a Senior Analyst at Cambridge Economics before attending MIT. Ling is a CFAcharterholder.

ALEX PLOUGH, Associate Investment AnalystAlex is an Associate Investment Analyst on the firm’s investment team. Prior to joining GQG Partners, Alex was a senior reporter at Debtwire where he covered the US high yield capital markets. He was a member of Debtwire’s first dedicated investigative journalism team, where his reporting uncovered hidden financial liabilities in the offshore energy industry. The resulting series of articles won both regional and national business journalism awards. His background is in data-driven, investigative journalism and he has reported on business, human rights and environmental issues. Alex holds a MA in Business and Economics Journalism from Columbia University and a BA in Politics and Philosophy from University of Manchester.

MIKE CAHILL, TraderMike is a trader on the firm’s investment team. Prior to joining GQG Partners LLC in 2019, he was Head Trader at Junto Capital where he launched the firm’s global long/ short equity hedge fund desk and ran global trading. Prior to Junto, Mike spent five years in International Equities Trading at Redburn Partners in London and Espirito Santo Investment Bank in both Greenwich and London. In those roles, he led the efforts for trading execution as well as providing research, market themes, and trends to global institutional money managers and investment trading desks. He began his career in Boston for Pulse. Mike received his BS in Finance from BostonCollege.




KYLE SALMON,TraderKyle is a trader for GQG Partners LLC with over 20 years of investment industry experience. Prior to joining GQG Partners LLC in 2018, Kyle was an Equity and Currency Trader for Artisan Partners and spent time working for Artisan's global investment teams in both Milwaukee, WI and San Francisco, CA. Prior to Artisan, he worked on technology solutions for Strong Capital Management in Menomonee Falls, WI.Kyle received his BA from the University of Wisconsin-Milwaukee.

DAVID TUTHILL, TraderDavid is a trader on the firm’s investment team. Prior to joining GQG Partners LLC, he resided in the UK based between Oxford and Singapore where he ran global trading and capital markets for Port Meadow Capital Management (Dymon Asia Equity, Division of Temasek) from 2014 through 2017. Prior to this, David headed Asian trading for SAC Capital Advisors (now Point72, Steven Cohen) from 2008 through 2014 across the region. David was a member of the initial launch of SAC Capital in Asia. He launched SAC Capital’s first Asia-based trading desk and was responsible for all Asia-related trading, capital markets and trading operations functions. David started his career in New York for Cantor Fitzgerald as a sales trader covering both US equities and derivatives. David graduated from Fordham University with a Bachelor of Science (BusinessAdministration).




RAJIV JAIN, Chairman & Chief Investment OfficerPRajiv is the Chairman and Chief Investment Officer of GQG Partners LLC and also serves as the lead portfolio manager for all GQG Partners LLC strategies. He commenced investment operations at GQG Partners LLC in June 2016 with over 25 years of investment experience. Previously, Rajiv served as a Co-Chief Executive Officer (from July 2014) and Chief Investment Officer and Head of Equities (from February 2002) at Vontobel Asset Management. He was the sole portfolio manager of the International Equities strategy (since 2002) and Emerging Markets Equities strategy (since 1997), and the lead portfolio manager for the Global Equities strategy (since 2002). Rajiv helped build the business from less than US$400 million under management to just under US$50 billion in 2016. He joined Vontobel Asset Management as a co-portfolio manager of Emerging Markets Equities and International Equities in November 1994. Prior to that, he was an International Equity Analyst at Swiss Bank Corporation. Rajiv earned an MBA in Finance and International Business from the University of Miami. He also has a master’s degree from the University of Ajmer and an undergraduate degree in accounting with honors.

TIM CARVER, Chief ExecutiveOfficerPTim is responsible for firm leadership and management of the firm’s business functions. Prior to joining GQG Partners LLC, Tim co-founded Northern Lights Capital Group (now Pacific Current Group, listed on the ASX), and was central to building that business, eventually serving as a board member and CEO. While at Northern Lights, Tim served on several boutique investment firm boards, including Aperio Group, ROC Partners, and Goodhart Partners. Prior to co-founding Northern Lights, Tim was a co-founder of Orca Bay Partners, a private equity firm where he developed a practice area focused on capitalizing boutique investment firms. While there, he led investments in a variety of firms including Parametric Portfolio Associates and Envestnet (NYSE:ENV). Tim began his career at Morgan Stanley in their New York analyst program. Tim graduated with honors from HarvardCollege.

LAIRD ABERNETHY, Managing Director of Australia & New ZealandLaird joined GQG Partners LLC in 2018 as Managing Director for the Australia and New Zealand region and Head of GQG Partners (Australia) Pty Ltd. Laird brings over 20 years of distribution and marketing experience in Wholesale and Institutional markets, covering a range of listed and alternative asset class strategies. Prior to joining GQG Partners LLC, he was Head of Investment Sales at Colonial First State and previously worked at Russell Investments and BT Financial Group. Laird is a graduate of Macquarie University with a Bachelor of Commerce in Economics and Marketing.

AppendixLeadership team biographies

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JERI ANDREWS, Managing Director —Global Head of Diversity, Inclusion, and Human CapitalDevelopmentJeri leads the firm’s diversity and inclusion efforts, as well as training and development of employees. Prior to joining GQG Partners LLC, Jeri served as Global Head of Sales at Intellectual Ventures, working closely with the firm’s founders and investors, focused on the technology sector. Jeri has 25 years of experience in the technology and financial services industries, including her tenure at Russell Investments, where she was Head of EMEA Sales, focused on building the Russell Global Index franchise throughout the region, based in London. Prior to Russell Investments, Jeri spent a decade at Xerox Corporation in a variety of leadership roles creating and leading high performance teams. Jeri graduated from BostonUniversity.

MARK BARKER, Managing Director —Head ofInternationalMark leads the firm’s international business development efforts. Prior to GQG Partners LLC, Mark was Managing Director and Chief Investment Officer at Strategic Capital Investors, a boutique investment company he founded, focused on providing acceleration capital to early stage asset managers. Mark has over 30 years’ experience in the asset management industry, including Chief Investment Officer and Co-Chief Investment Officer experience at Hermes BPK Partners and Pioneer Alternative Investments. Mark also served as Director of Momentum Asset Management, where he was responsible for portfolio management, asset allocation and business development.

SCOTT BLANKENSHIP, Managing Director —NationalAccountsP

Scott is responsible for the firm’s sales and distribution of products offered through financial intermediaries. Prior to joining GQG Partners LLC, Scott was Head of Intermediary Sales at WHV Investments. Scott has also held sales and leadership roles at SteelPath, ALPS, Lincoln Financial Group and Janus Capital. Scott served as a Counterintelligence Agent in the USArmy and received an MBA from Webster University and a BA from the University of Maryland..

SUZANNE CHMURA, Chief Compliance OfficerSuzanne is responsible for the firm’s compliance functions. Suzanne began her career at State Street Global Advisors, where she acted as its first dedicated Compliance Officer covering all asset classes. She spent ten years with JPMorgan in a variety of compliance roles across several areas of the company and was then recruited to Macquarie Holdings where she was head of Compliance Operations Americas and acted as deputy Chief Compliance Officer for Macquarie’s largest US broker/dealer. Most recently she served as Risk Officer at Bessemer Trust and additionally engaged in the implementation of an enterprise-wide operational risk program. Suzanne received a BA and Executive MBA from Northeastern University.


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MATT CROWE, Managing Director —US ClientServicesMatt is responsible for leading and continuing to develop a world-class client experience for the firm. Prior to joining GQG Partners LLC, he served as the Director of Marketing & Investor Relations at Proprietary Capital, responsible for marketing, investor relations and communications activities. Prior to joining Proprietary Capital in 2012, Matt was a Principal of Anchor Point Capital, LLC, a Coral Gables, FL-based fund-of-funds hedge fund. He also worked on the US-based sales & client services team at Fjord Seafood ASA, a global commodity company based in Oslo after starting his career in the publishing industry. Matt holds a BA in Business Administration from Western State Colorado University. He served as a board member on the Association of Investment Management Sales Executives (AIMSE) from2011-2017.

SAL DIGANGI, Global Chief Compliance OfficerSal oversees the firm’s global compliance program. He began his career in compliance at J. & W. Seligman & Co. Inc. in 1996. Sal has extensive experience in global regulatory compliance and has held various senior compliance roles at Salomon Brothers Asset Management and Voya Investment Management (ING) where he worked for 13 years. He joins GQG Partners LLC from UBS O’Connor LLC, where he was Chief Compliance Officer and was responsible for leading the global compliance program for a multi-strategy hedge fund manager with offices in New York, London, Hong Kong and Singapore. Sal received his Associates of Arts degree from the State University of New York atDelhi.

STEVE FORD, CAIA, Managing Director of BusinessDevelopmentPSteve leads the firm’s global business development and marketing efforts. Prior to joining GQG Partners LLC, Steve was a Managing Director at Pacific Current Group. In this role, he worked with the founders of GQG Partners LLC to develop and implement the firm’s institutional business development strategy. Steve has over 18 years of industry experience, including positions at Northern Lights Capital Group, Rydex Investments and Strong Investments. Steve graduated from Westminster College, is a CAIA charterholder, and holds Series 7, 24 and 63 licenses.

ROB MATHAI, CFA, Chief of StaffPRob is responsible for coordinating the firm’s analysts. Prior to joining GQG Partners LLC, Rob co-founded Stellate Partners where he was responsible for sourcing newmanagers and helping them grow their businesses. With over 35 years of industry experience, Rob has also held portfolio management, compliance, trading, and salesand marketing roles throughout his tenure. Rob received his MBA from Wharton Business School and his BS in Mechanical Engineering from Bucknell University. He is aCFA charterholder.

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PETER MORAN, Managing Director —Strategic DistributionPete joined GQG Partners LLC in 2018 as a member of the firm’s distribution team. He is a member of the executive committee and provides strategic insight across the firm’s marketing and distribution efforts. Pete brings over 30 years of financial services experience covering asset management, brokerage, banking and insurance. Prior to joining GQG Partners LLC, he was US head of business development, client service and product development at Penn Capital Management. He is a graduate of the University of Richmond with a degree in economics and earned ChFC and CLU designations from theAmerican College.

GREG SCHNEIDER, Managing Director of ConsultantRelationsAs Managing Director of Consultant Relations for GQG Partners LLC, Greg is responsible for client servicing and new business development on behalf of institutional investment consultants. Prior to joining GQG Partners LLC in May 2017, Greg was a Director, Business Development at multi-boutique investment manager Pacific Current Group. Prior to joining Pacific Current Group in May 2016, he was a Senior Consultant Relations Manager at Aberdeen Asset Management, responsible for developing and maintaining relationships with US investment consultants. Before joining Aberdeen in September 2009, he served as an Analyst in the Global Consultant Relations Group at BlackRock Investment Management. Greg holds a BBA from the Ross School of Business at the University ofMichigan.

RICK SHERLEY, General CounselRick Sherley is General Counsel for GQG Partners. Prior to joining GQG Partners, Rick represented investment managers and funds in their formation, operation, and regulation —including GQG Partners —through his own law practice, Compass Integrated Counsel, PLLC. Prior to that, he served as General Counsel and Secretary at Rainier Investment Management, Counsel at Dechert LLP, and Assistant General Counsel at Bank of America Corporation. He began his career as an associate at Seward & Kissel LLP. Rick earned his JD with high honors from Duke University School of Law and his BA Summa Cum Laude from the University of Pennsylvania..

MELODIE ZAKALUK, Chief Operating OfficerPMelodie is responsible for managing the firm’s operational functions. Prior to joining GQG Partners LLC, Melodie served as Chief Operating Officer at Rainier Investment Management where she provided daily and strategic management of the firm’s advisory and mutual fund platforms. She was also a member of Rainier’s corporate board and a management trustee for the Rainier Funds’ board. Melodie has over 30 years of experience in the financial services industry, including her tenure at Russell Investments where she held the role of Managing Director, focusing on leading the daily operations, compliance monitoring, distributor servicing and information management for internal and external customers. Melodie earned a Bachelor of Science degree in Accounting from Boston College, and she holds the CPA designation, as well as the Series 7, 24, 27 and 63 licenses.

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Appendix


INFORMATION ABOUT BENCHMARKSMSCI benchmark returns have been obtained from MSCI, a non-affiliated third-party source. Neither MSCI nor any other party involved in or related to compiling, computing or creating the MSCI datamakes any express or implied warranties or representations with respect to such data (or the results to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties oforiginality, accuracy, completeness, merchantability or fitness for a particular purpose with respect to any of such data. Without limiting the foregoing, in no event shall MSCI, any of its affiliates orany third party involved in or related to compiling, computing, or creating the data have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lostprofits) even if notified of the possibility of such damages.The MSCI Emerging Markets (Net) Index is a free float-adjusted market capitalization index that consists of indices in 24 emerging economies: Brazil, Chile, China, Colombia, Czech Republic, Egypt,Greece, Hungary, India, Indonesia, Korea, Malaysia, Mexico, Pakistan, Peru, Philippines, Poland, Qatar, Russia, South Africa, Taiwan, Thailand, Turkey, and the United Arab Emirates. With 1,125constituents(as of December 31,2018), the index covers about 85% of the free float-adjusted market capitalization in each country.The MSCI All Country World (Net) Index (MSCI ACWI) is a global equity index, which tracks stocks from 23 developed and 24 emerging markets countries. Developed countries include Australia,Austria, Belgium, Canada, Denmark, Finland, France, Germany, Hong Kong, Ireland, Israel, Italy, Japan, Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, the UK, andthe US. Emerging markets countries include: Brazil, Chile, China, Colombia, Czech Republic, Egypt, Greece, Hungary, India, Indonesia, Korea, Malaysia, Mexico, Pakistan, Peru, Philippines, Poland, Qatar,Russia, South Africa, Taiwan, Thailand, Turkey, and the United Arab Emirates. With 2,758 constituents (as of December 31, 2018), the index covers approximately 85% of the global investable equityopportunity set.The S&P 500® Index is a widely used stock market index that can serve as barometer of US stock market performance, particularly with respect to larger capitalization stocks. It is a market-weightedindex of stocks of 500 leading companies in leading industries and represents a significant portion of the market value of all stocks publicly traded in the United States. The S&P 500 Index is a productof S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (SPDJI) and has been licensed for use by GQGPartners LLC.Standard & Poor’s® and S&P®are registered trademarks of Standard &Poor’s Financial Services LLC, a division of S&P Global (S&P); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones). GQG Partners US Equity is not sponsored,endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor dothey have any liability for any errors, omissions, or interruptions of the S&P500 Index.Net total return indexes reinvest dividends after the deduction of withholding taxes, using (for international indexes) a tax rate applicable to nonresident institutional investors who do not benefitfrom double taxationtreaties.Information about benchmark indices is provided to allow you to compare it to the performance of GQG strategies. Investors often use these well-known and widely recognized indices as one wayto gauge the investment performance of an investment manager’s strategy compared to investment sectors that correspond to the strategy. However, GQG’s investment strategies are activelymanaged and not intended to replicate the performance of the indices: the performance and volatility of GQG’s investment strategies may differ materially from the performance and volatility oftheirbenchmark indices, and their holdings will differ significantly from the securities that comprise the indices. You cannot invest directly in indices, which do not take into account trading commissionsand costs.CAPACITYNOTICEIn November 2019, GQG Partners LLC announced the initiation of the soft closing of its Emerging Markets Equity strategy. When GQG’s assets under management attributable to that strategy reachUS$10.0 billion, GQGwill no longer accept new separately managed account clients for the Emerging Markets Equity Strategy, other than those who have already initiated a due diligence process withGQGfor that strategy. GQG’s existing separately managed account clients will continue to be able to allocate additional assets to the Emerging Markets Equity Strategy.GQG intends to continue to accept investments in its pooled investment vehicles that employ the Emerging Market Equity Strategy as follows: GQG’s US privately offered emerging markets equityfund (GQG Partners Emerging Markets Equity Fund, a series of GQG Partners Series LLC) will remain open to new investors until GQG’s assets under management attributable to the Emerging MarketsEquity Strategy reach US $12.5B. GQG’s Collective Investment Trust fund, offered to ERISA investors in the United States will remain open to new investors until GQG’s assets under managementattributable to the Emerging Markets Equity Strategy reach US$15Bin strategy assets. GQG’spublicly offered funds that employ the emerging markets equity strategy (GQGPartners EmergingMarkets Equity mutual fund in the US,GQG Partners Emerging Markets Equity UCITSfund outside the US,and GQG Partners Emerging Markets Equity Fund in Australia) will remain open to newinvestors for the immediate future, and soft closures will be considered for each as GQG’s emerging markets equity capacity levels mature.IMPORTANT INFORMATIONThe Partner group numbers ten associates. Issuance of equity interests is an annual consideration for all employees of GQG Partners who have more than two years oftenure and have madea significant contribution to the firm and its clients. Please note any reference to a partner of GQG Partners LLC is to an individual who holds an indirect beneficial equity interest inGQG Partners LLC, a Delaware limited liabilitycompany.© 2020 GQG Partners LLC. All rights reserved. Information presented is as of March 31, 2020 and denominated in US dollars (US$), unless otherwise stated. FALL 1Q20PB (exp. 31-JULY-20)

Important information

Chulantha De SilvaSenior Investment Analyst

GQG Partners

Jun GuPortfolio Manager

Stavis & Cohen Financial

Q&A

Thank you! 1330 Post Oak Boulevard, Suite 2190 Houston, TX 77056www.stavisandcohen.com(713) 275-7750

Securities offered through FSC Securities Corporation, Member FINRA/SIPC. Advisory and insurance services offered through Stavis & Cohen Financial, a Registered Investment Advisor not affiliated with FSC Securities Corporation. None of the entities mentioned are affiliated with FSC Securities Corporation. The views expressed are not necessarily the opinion of FSC Securities Corporation and should not be construed, directly or indirectly, as an offer to buy or sell and securities mentioned herein. Investing is subject to risks including loss of principal invested. No investment strategy, including diversification, asset allocation and re-balancing, can guarantee a profit or protect against loss. Although the information has been gathered from sources believed to be reliable, it cannot be guaranteed and the accuracy of the information should be independently verified. This material contains forward looking statements and projections. There are no guarantees that these results will be achieved. Past performance is no guarantee of future returns. Index performance does not reflect the deduction of any fees and expenses, and if deducted, performance would be reduced. Indexes are unmanaged and investors are not able to invest directly into any index. Past performance cannot guarantee future results. Investing involves risk including the potential loss of principal.

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