© 2024 M&T Bank and its affiliates and subsidiaries. All rights reserved.
Wilmington Trust is a registered service mark used in connection with various fiduciary and non-fiduciary services offered by certain subsidiaries of M&T Bank Corporation including, but not limited to, Manufacturers & Traders Trust Company (M&T Bank), Wilmington Trust Company (WTC) operating in Delaware only, Wilmington Trust, N.A. (WTNA), Wilmington Trust Investment Advisors, Inc. (WTIA), Wilmington Funds Management Corporation (WFMC), Wilmington Trust Asset Management, LLC (WTAM), and Wilmington Trust Investment Management, LLC (WTIM). Such services include trustee, custodial, agency, investment management, and other services. International corporate and institutional services are offered through M&T Bank Corporation’s international subsidiaries. Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank. Member, FDIC. 
M&T Bank Corporation’s European subsidiaries (Wilmington Trust (UK) Limited, Wilmington Trust (London) Limited, Wilmington Trust SP Services (London) Limited, Wilmington Trust SP Services (Dublin) Limited, Wilmington Trust SP Services (Frankfurt) GmbH and Wilmington Trust SAS) provide international corporate and institutional services.
WTIA, WFMC, WTAM, and WTIM are investment advisors registered with the U.S. Securities and Exchange Commission (SEC). Registration with the SEC does not imply any level of skill or training. Additional Information about WTIA, WFMC, WTAM, and WTIM is also available on the SEC's website at adviserinfo.sec.gov. 
Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services.
M&T Bank  Equal Housing Lender. Bank NMLS #381076. Member FDIC. 
Investment and Insurance Products   • Are NOT Deposits  • Are NOT FDIC Insured  • Are NOT Insured By Any Federal Government Agency  • Have NO Bank Guarantee  • May Go Down In Value  
Investing involves risks and you may incur a profit or a loss. Past performance cannot guarantee future results. This material is provided for informational purposes only and is not intended as an offer or solicitation for the sale of any security or service. It is not designed or intended to provide financial, tax, legal, accounting, or other professional advice since such advice always requires consideration of individual circumstances. There is no assurance that any investment, financial or estate planning strategy will be successful.


IMPORTANT INFORMATION ABOUT THIS E-MAIL

This is a confidential communication between sender and its intended recipient. Please contact the sender if you no longer wish to receive this type of email.

We retain copies of messages and monitor them

Wilmington Investment Management entities and their affiliates reserve the right to monitor and archive electronic communications to the extent permitted or required by law.

This message is not intended as an official communication

Unless otherwise agreed, an electronic message is not intended as an official document or confirmation, and we do not accept responsibility for, or guarantee it to be, accurate, timely, secure, error or virus-free. The information in this communication is provided purely as an informational courtesy. In the event of a conflict between this communication and official communications (i.e. statements, confirmations, etc.), the official communication controls.

Information may not be secure when transmitted over the Internet

E-mail sent through the internet is not secure. Do not use e-mail to send us confidential information such as credit card numbers, changes of address, PIN numbers, passwords or other important information. Do not e-mail orders to buy or sell securities, transfer funds or send time-sensitive instructions. We will not accept such orders or instructions. This e-mail is not an official trade confirmation for transactions executed for your account. Your e-mail message is not private in that it is subject to review by Wilmington Investment Management entities and M&T Securities, Inc., and their respective officers, agents and employees.

Wilmington Investment Management entities and their affiliates make no representation or warranty that electronic messages will be confidential. Electronic messages may be intercepted or accessed by unauthorized or unintended parties, may not arrive at the intended destination, or may not arrive in the form transmitted. Wilmington Investment Management entities can make information available through more secure electronic methods. Please contact Karl Zeller at (610)526-7269 if you no longer wish to receive secure transmissions or promotional materials.

Electronic messages may be delayed, and information in electronic messages may be not be up to date and may not be updated

Electronic message communications cannot be guaranteed to be timely, secure or error free. Information provided speaks only as of its date. We have not undertaken, and will not undertake, any duty to update the information or otherwise advise you of changes in our opinion or in the research or information we make available to you.

IMPORTANT INFORMATION ABOUT PRODUCTS, SERVICES AND/OR ENTITIES MENTIONED IN THIS E-MAIL

Not Investment Advice/No Recommendation

Information referenced in the e-mail does not constitute investment advice and is not an offering of or a solicitation or a recommendation to buy or sell any security, product, service or fund.

Wilmington Investment Management

Wilmington Trust is a registered service mark used by certain subsidiaries/affiliates of Wilmington Trust Corporation (together “Wilmington Trust”). Wilmington Investment Management is a brand name utilized by each of the following Wilmington Trust entities: Manufacturers & Traders Trust Company (M&T Bank), Wilmington Trust Company (WTC) operating only in Delaware, Wilmington Trust, N.A. (WTNA), Wilmington Trust Investment Advisors, Inc. (WTIA), Wilmington Funds Management Corporation (WFMC), and Wilmington Trust Investment Management, LLC (WTIM). Wilmington Trust Corporation is a wholly-owned subsidiary of M&T Bank Corporation. Wilmington Trust traces its roots to the founding of WTC in 1903.

WTIA and WFMC are investment advisers registered with the Securities and Exchange Commission (SEC). Registration with the SEC does not imply any level of skill or training. Additional Information about WTIA and WFMC is also available on the SEC’s website at www.advisorinfo.sec.gov.

Mutual Funds

Information referenced in the e-mail regarding any Wilmington Fund is qualified in its entirety by the fund's prospectus, does not constitute investment advice and is not an offering of or a solicitation to buy or sell any security, product, service or fund, including any fund referenced herein. An offer for any Wilmington Fund can only be made by the fund's prospectus. Wilmington Funds may be offered only to U.S. residents. Investors should consider the investment objectives, risks, charges and expenses of a mutual fund carefully before investing. The prospectus contains this and other information about a mutual fund and is available on www.wilmingtonfunds.com or call 1-800-836-2211 for copies. The prospectus should be read carefully before investing.

Not FDIC Insured   |   No Bank Guarantee   |   May Lose Value

WFMC and WTIA, subsidiaries of M&T Bank Corporation, are the investment advisor and primary sub-advisor, respectively, of the Wilmington Funds.

ALPS Distributors, Inc. (ALPS), which is not affiliated with M&T Bank Corporation or any of its affiliates, is the distributor of the Wilmington Funds and does not distribute separately managed accounts. ALPS is also not affiliated with any of the sub-advisors of the Wilmington Funds. The Wilmington Funds are entities separate and distinct from Wilmington Trust, M&T Bank and M&T Securities.

Performance Data

Any performance data depicted represents past performance and does not guarantee future results. The investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data quoted. Please contact us at 1-800-836-2211 for the most recent month-end performance data of the listed Funds or strategy.

Separately Managed Accounts

Any Separately Managed Account strategies referenced in the e-mail communication are managed by WTIA and/or WTNA. Further information regarding Separately Managed Account strategies managed by WTIA or WTNA should be obtained before investing in such strategies and is available upon request.

Risks of Investing

All investments involve risk, including possible loss of principal. Equity securities are subject to price fluctuation and possible loss of principal. International investments are subject to special risks, including currency fluctuations and social, economic, and political uncertainties, which could increase volatility. These risks are magnified in emerging markets. Investment in alternative strategies are subject to increased risk and loss of principal and are not suitable for all investors. The use of leverage may magnify losses. Diversification does not ensure a profit or guarantee against a loss. There is no assurance that any investment strategy will be successful. Any investment should be part of an overall investment program rather than, in itself, a complete program. If a fund or strategy invests in underlying funds or other managed strategies, an investor in the fund or strategy will bear the management fees and operating expenses of the “Underlying Strategies” in which the fund or strategy invests. The total expenses borne by such an investor will be higher than if the investor invested directly in the Underlying Strategies, and the returns may therefore be lower.

Investment products are not insured by the FDIC or any other governmental agency, are not deposits of or other obligations of or guaranteed by Wilmington Trust, Wilmington Investment Management, M&T, or any other bank or entity, and are subject to risks, including a possible loss of the principal amount.

Conflicts

Wilmington Investment Management entities and their representatives/affiliates have a conflict of interest in the products or services mentioned in this material because, in certain instances, they engage their affiliates as a sub-advisor and/or other service provider, use investment vehicles and/or separately managed accounts managed by them or their affiliates and/ or have a financial interest in such products and services through direct or indirect compensation.

Third Party Data

Certain information in this communication may have been obtained or derived from third-party sources and other elements may have been provided in their entirety by a third party. Such third-party information is not verified, and no representation is made as to its accuracy or completeness.

No Tax Advice

IRS Circular 230 Disclosure: To ensure compliance with requirements imposed by the IRS, we inform you that, while this presentation is not intended to provide tax advice, in the event that any information contained in this presentation is construed to be tax advice, the information was not intended or written to be used, and cannot be used, for the purpose of (i) avoiding tax related penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any tax matters addressed herein.

Subject to Change

All of the information contained herein is as of the date(s) indicated, is subject to change at any time, and, if pertaining to a fund, is qualified in its entirety by, the complete disclosures, risk factors, and other terms that are contained in the fund’s offering document (e.g, prospectus).