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Opinions expressed in this document may include those of GAC affiliates, or non-affiliated third parties. In addition, your relationship team may highlight topics that are specific to your objectives. These opinions may differ from the opinions by other businesses or affiliates of GAC; they are not intended to be a forecast of future events, a guarantee of future results or investment advice and are subject to change based on market and other conditions. In any event, past performance is no guarantee of future results, and future results may not meet our expectations due to variety of economic, market and other factors. Further, any projections of potential risk or return are illustrative and should not be taken as limitations as to the maximum possible loss or gain.