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            U.S. ECONOMY: ANATOMY OF A RECESSION

            Where do we stand and what should we watch for in the coming months?

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            FINRA’s BrokerCheck

            You can check the background of your investment professional on FINRA’s BrokerCheck.

            Learn more from FINRA about How to Find and Work with an Investment Professional.

            Client Relationship Summary (Form CRS)

            You can learn about the services Franklin Templeton’s investment advisers and broker-dealers provide to retail investors by reviewing our Client Relationship Summaries.

            COVID-19 Mailing Impact

            COVID-19 may negatively impact the U.S. Postal Service (USPS) and delay your receipt of communications regarding your account, including transaction confirmations, periodic account statements, trade confirms, regulatory notices, tax reporting documents, prospectuses, shareholder communications, and our receipt of communications from you, including contributions and withdrawal requests. Specifically, the USPS has temporarily suspended international mail service to the countries listed on their website. To avoid being adversely impacted by postal service-related delays and suspensions, we encourage you to transact via our recently redesigned secure online website and also elect e-delivery of all documents and communications. The funds’ Transfer Agent is currently holding all impacted mail and will release the mail once the country’s suspension is lifted.

            As of 02/05/2021, impacted countries include Angola, Botswana, Brunei, Chad, Cuba, Eritrea, Eswatini (Swaziland), French Guiana, Guadeloupe, Laos, Lesotho, Martinique, Mauritius, Reunion (Bourbon), Saint Pierre and Miquelon (Miquelon), Seychelles, South Sudan, Tajikistan, Timor-Leste, Turkmenistan, and Yemen.

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