*This information is not intended for clients or prospects in the U.S., Canada, APAC and South America. The information in this webpage is designed exclusively for, and directed at, clients and prospects in Europe, Middle East and Africa, and no representation is made as its legality for other persons. See the additional information below.

BNY Mellon is the corporate brand of The Bank of New York Mellon Corporation and may also be used as a generic term to reference the Corporation as a whole or its various subsidiaries generally. Products and services may be provided under various brand names and in various countries by subsidiaries, affiliates, and joint ventures of The Bank of New York Mellon Corporation where authorized and regulated as required within each jurisdiction, and may include The Bank of New York Mellon, One Wall Street, New York, New York 10286, a banking corporation organized and existing pursuant to the laws of the State of New York and operating in England through its branch at One Canada Square, London E14 5AL, England. Registered in England and Wales with FC005522 and BR000818 and authorised and regulated by the Financial Services Authority in the UK . Not all products and services are offered at all locations.

This material contained herein is for general information and reference purposes only and not intended to provide legal, tax, accounting, investment, financial or other professional advice on any matter, and is not to be used as such. This material, and the statements contained herein, are not an offer or solicitation to buy or sell any products (including financial products) or services mentioned and should not be construed as such. This material is not intended for distribution to, or use by, any person or entity in any jurisdiction or country in which such distribution or use would be contrary to local law or regulation. Similarly, this material may not be distributed or used for the purpose of offers or solicitations in any jurisdiction or in any circumstances in which such offers or solicitations are unlawful or not authorized, or where there would be, by virtue of such distribution, new or additional registration requirements. Persons into whose possession this material comes are required to inform themselves about and to observe any restrictions that apply to the distribution of this document in their jurisdiction. To the extent the material is deemed to be a financial promotion in the UK or EMEA, it is provided for use by professional clients only and not for onward distribution to, or to be relied upon by, retail clients.

Investment products (other than deposit products) referenced in this material (including money market funds) are not insured by the FDIC (or any other state or federal agency), are not deposits of or guaranteed by BNY Mellon or any bank or non-bank subsidiary thereof, and are subject to investment risk, including the loss of principal amount invested. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund. Yield fluctuates.

Asset Management related material herein is issued as follow:

In Dubai, United Arab Emirates, this material is issued by the Dubai branch of The Bank of New York Mellon, which is regulated by the Dubai Financial Services Authority.

In Germany, this material is issued by WestLB Mellon Asset Management Kapitalanlagegesellschaft mbH, which is regulated by the Bundesanstalt für Finanzdienstleistungsaufsicht. WestLB Mellon Asset Management was formed as a 50:50 joint venture between The Bank of New York Mellon Corporation and WestLB AG. WestLB Mellon Asset Management Kapitalanlagegesellschaft mbH is a wholly owned subsidiary of this joint venture.

This material is issued in the UK, in mainland Europe (excluding Germany), by BNY Mellon Asset Management International Limited, BNY Mellon Centre, 160 Queen Victoria Street, London EC4V 4LA. Registered in England No. 1118580. Authorised and regulated by the Financial Services Authority.

**The insightinvestment.com website is intended for UK insurers only. Insight Investment does not currently offer services in the U.S. This information does not constitute an offer to sell, or a solicitation of an offer to purchase, any of these firms' services or funds to any U.S. investor, or where otherwise unlawful. Insight Investment is authorized and regulated by the Financial Services Authority. The registered address for Insight Investment is BNY Mellon Centre, 160 Queen Victoria Street, London, EC4V 4LA, England.

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