risk factors

investment is not a bank deposit and is not insured or guaranteed by the federal deposit insurance corporation (“fdic”) or any other government agency. investments price go up and down, meaning that one could lose money by investing. many factors influence an investment performance. an investment is not intended to constitute a complete investment program and should not be viewed as such. before investing, be sure to read the additional descriptions of risks. as an overall matter, instability in the financial markets has led many governments, including the united states government, to take a number of unprecedented actions designed to support certain financial institutions and segments of the financial markets that have experienced extreme volatility and, in some cases, a lack of liquidity.


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