Selloff Driven by COVID-19 Fears Market Perspective Time and Diversification The Benefits of Diversification Missing Top Performing Days The Benefits of Remaining Invested Intra-Year Declines Intra-Year Declines Market Review First Quarter 2019 Market Review Second Quarter 2019 Market Review Third Quarter 2019 Market Review Fourth Quarter 2019 Market Review First Quarter 2018 Market Review Second Quarter 2018 Market Review Third Quarter 2018 Market Review Fourth Quarter 2018 NOT A DEPOSIT • NOT FDIC-INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY GO DOWN IN VALUE •
