The views expressed are as of the date given, may change as market or other conditions change, and may differ from views
expressed by other Columbia Management Investment Advisers, LLC (CMIA) associates or affiliates, Actual investments or
investment decisions made by CMIA and its affiliates, whether for its own account or on behalf of clients, will not necessarily reflect
the views expressed. This information is not intended to provide investment advice and does not account for individual investor
circumstances. Investment decisions should always be made based on an investor's specific financial needs, objectives, goals, time
horizon, and risk tolerance. Asset classes described may not be suitable for all investors. Past performance does not guarantee
future results and no forecast should be considered a guarantee either. Since economic and market conditions change frequently,
there can be no assurance that the trends described here will continue or that any forecasts are accurate. Please see our social media guidelines.