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In the UK, details is released by PGIM Limited with authorized workplace: Grand Buildings, 1-3 Strand, Trafalgar Square, London, WC2N5HR. PGIM Limited is authorised and controlled by the Financial Conduct Authority ("FCA") of the UK (Firm Reference Number 193418). In the European Economic Area ("EEA"), information is issued by PGIM Netherlands B.V. with registered office: Eduard van Beinumstraat 6 1077CZ, Amsterdam, The Netherlands. PGIM Netherlands B.V. is, authorised by the Autoriteit Financiële Markten ("AFM") in the Netherlands (Registration number 15003620) and running on the basis of a European passport. In certain EEA nations, details is, where allowed, provided by PGIM Limited in reliance of provisions, exemptions or licenses offered to PGIM Limited under short-term consent plans following the exit of the United Kingdom from the European Union. These products are issued by PGIM Limited and/or PGIM Netherlands B.V. to persons who are professional customers as specified under the guidelines of the FCA and/or to individuals who are expert customers as specified in the relevant local application of Directive 2014/65/EU (MiFID II). In Italy, info is provided by PGIM Limited authorized to operate in Italy by Commissione Nazionale per le Società e la Borsa (CONSOB). In Japan, details is provided by PGIM Japan Co., Ltd. ("PGIM Japan") and/or PGIM Real Estate (Japan) Ltd. ("PGIMREJ"). PGIM Japan, a signed up Financial Instruments Business Operator with the Financial Services Agency of Japan offers numerous investment management services in Japan. PGIMREJ is a Japanese property possession supervisor that is registered with the Kanto Local Finance Bureau of Japan. In Hong Kong, info is provided by PGIM (Hong Kong) Limited, a regulated entity with the Securities & & Futures Commission in Hong Kong to expert financiers as defined in Section 1 of Part 1 of Schedule 1 of the Securities and Futures Ordinance (Cap. 571). In Singapore, info is issued by PGIM (Singapore) Pte. Ltd. ("PGIM Singapore"), a managed entity with the Monetary Authority of Singapore under a Capital Markets Services License to carry out fund management and an exempt financial adviser. This product is issued by PGIM Singapore for the basic details of "institutional investors" pursuant to Section 304 of the Securities and Futures Act 2001 of Singapore (the "SFA") and "accredited financiers" and other pertinent individuals in accordance with the conditions specified in Section 305 of the SFA. In South Korea, details is issued by PGIM, Inc., which is licensed to offer discretionary investment management services straight to South Korean qualified institutional financiers on a cross-border basis. In Australia, info is issued by PGIM (Australia) Pty Ltd ("PGIM Australia") for the general information of its wholesale clients (as defined in the Corporations Act 2001). PGIM Australia is an Australian monetary services ("AFS") licence holder (AFS licence number 544946). The information is provided to wholesale investors in accordance with Schedule 1, Clause 3 of the Financial Markets Conduct Act 2013 in New Zealand. To invest as a wholesale financier in New Zealand, financiers must fit the requirements as set out in the Financial Markets Conduct Act 2013. In China, the info is offered at your request and is not intended as investment advice or a suggestion about managing or investing possessions.

In Canada, pursuant to the worldwide advisor registration exemption in National Instrument 31-103, PGIM, Inc. is informing you that: (1) PGIM, Inc. is not registered in Canada and is encouraging you in dependence upon an exemption from the adviser registration requirement under National Instrument 31-103; (2) PGIM, Inc.'s jurisdiction of home is New Jersey, U.S.A.; (3) there may be difficulty implementing legal rights against PGIM, Inc. due to the fact that it is resident outside of Canada and all or substantially all of its assets may be located beyond Canada; and (4) the name and address of the agent for service of process of PGIM, Inc. in the suitable Provinces of Canada are as follows: in Québec: Borden Ladner Gervais LLP, 1000 de La Gauchetière Street West, Suite 900 Montréal, QC H3B 5H4; in British Columbia: Borden Ladner Gervais LLP, 1200 Waterfront Centre, 200 Burrard Street, Vancouver, BC V7X 1T2; in Ontario: Borden Ladner Gervais LLP, 22 Adelaide Street West, Suite 3400, Toronto, ON M5H 4E3; in Nova Scotia: Cox & & Palmer, Q.C., 1100 Purdy's Wharf Tower One, 1959 Upper Water Street, P.O. Box 2380 - Stn Central RPO, Halifax, NS B3J 3E5; in Alberta: Borden Ladner Gervais LLP, 530 Third Avenue S.W., Calgary, AB T2P R3.

Prudential Financial, Inc. of the United States is not associated in any manner with Prudential plc, included in the United Kingdom or with Prudential Assurance Company, a subsidiary of M&G plc, included in the United Kingdom.

© 2025 PFI and its associated entities, registered in many jurisdictions worldwide.

These products are for educational or academic purposes only.

All investments involve threats, consisting of possible loss of principal. Past efficiency is not indicative of future outcomes.

The information included herein is offered by PGIM, the primary possession management company of Prudential Financial, Inc. (PFI), and a trading name of PGIM, Inc. and its global subsidiaries. PGIM, Inc. is a financial investment advisor signed up with the U.S. Securities and Exchange Commission (SEC). Registration with the SEC does not suggest a particular level of skill or training.

In the UK, details is provided by PGIM Limited with registered workplace: Grand Buildings, 1-3 Strand, Trafalgar Square, London, WC2N5HR. PGIM Limited is authorised and controlled by the Financial Conduct Authority ("FCA") of the UK (Firm Reference Number 193418). In the European Economic Area ("EEA"), information is issued by PGIM Netherlands B.V. with authorized office: Eduard van Beinumstraat 6 1077CZ, Amsterdam, The Netherlands. PGIM Netherlands B.V. is, authorised by the Autoriteit Financiële Markten ("AFM") in the Netherlands (Registration number 15003620) and operating on the basis of a European passport. In specific EEA nations, info is, where permitted, presented by PGIM Limited in dependence of provisions, exemptions or licenses available to PGIM Limited under short-lived permission plans following the exit of the UK from the European Union. These products are issued by PGIM Limited and/or PGIM Netherlands B.V. to persons who are professional clients as defined under the rules of the FCA and/or to persons who are expert clients as specified in the appropriate regional implementation of Directive 2014/65/EU (MiFID II). In Italy, information is supplied by PGIM Limited licensed to operate in Italy by Commissione Nazionale per le Società e la Borsa (CONSOB). In Japan, info is offered by PGIM Japan Co., Ltd. ("PGIM Japan") and/or PGIM Real Estate (Japan) Ltd. ("PGIMREJ"). PGIM Japan, a registered Financial Instruments Business Operator with the Financial Services Agency of Japan provides different financial investment management services in Japan. PGIMREJ is a Japanese genuine estate possession manager that is signed up with the Kanto Local Finance Bureau of Japan. In Hong Kong, details is provided by PGIM (Hong Kong) Limited, a regulated entity with the Securities & Futures Commission in Hong Kong to professional financiers as specified in Section 1 of Part 1 of Schedule 1 of the Securities and Futures Ordinance (Cap. 571). In Singapore, information is issued by PGIM (Singapore) Pte. Ltd. ("PGIM Singapore"), a managed entity with the Monetary Authority of Singapore under a Capital Markets Services License to perform fund management and an exempt financial adviser. This product is issued by PGIM Singapore for the basic information of "institutional financiers" pursuant to Section 304 of the Securities and Futures Act 2001 of Singapore (the "SFA") and "accredited investors" and other pertinent persons in accordance with the conditions defined in Section 305 of the SFA. In South Korea, details is provided by PGIM, Inc., which is accredited to provide discretionary investment management services straight to South Korean qualified institutional financiers on a cross-border basis. In Australia, details is provided by PGIM (Australia) Pty Ltd ("PGIM Australia") for the basic info of its wholesale clients (as defined in the Corporations Act 2001). PGIM Australia is an Australian financial services ("AFS") licence holder (AFS licence number 544946). The details is provided to wholesale investors in accordance with Schedule 1, Clause 3 of the Financial Markets Conduct Act 2013 in New Zealand. To invest as a wholesale financier in New Zealand, investors must fit the criteria as set out in the Financial Markets Conduct Act 2013. In China, the details is supplied at your request and is not meant as financial investment guidance or a suggestion about managing or investing properties.
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In Canada, pursuant to the global adviser registration exemption in National Instrument 31-103, PGIM, Inc. is informing you that: (1) PGIM, Inc. is not registered in Canada and is encouraging you in dependence upon an exemption from the adviser registration requirement under National Instrument 31-103; (2) PGIM, Inc.'s jurisdiction of house is New Jersey, U.S.A.; (3) there may be problem enforcing legal rights against PGIM, Inc. because it is resident beyond Canada and all or significantly all of its possessions might be outside of Canada; and (4) the name and address of the agent for service of procedure of PGIM, Inc . in the applicable Provinces of Canada are as follows: in Québec: Borden Ladner Gervais LLP, 1000 de La Gauchetière Street West, Suite 900 Montréal, QC H3B 5H4; in British Columbia: Borden Ladner Gervais LLP, 1200 Waterfront Centre, 200 Burrard Street, Vancouver, BC V7X 1T2; in Ontario: Borden Ladner Gervais LLP, 22 Adelaide Street West, Suite 3400, Toronto, ON M5H 4E3; in Nova Scotia: Cox & Palmer, Q.C., 1100 Purdy's Wharf Tower One, 1959 Upper Water Street, P.O. Box 2380 - Stn Central RPO, Halifax, NS B3J 3E5; in Alberta: Borden Ladner Gervais LLP, 530 Third Avenue S.W., Calgary, AB T2P R3.

This information is not intended as financial investment recommendations and is not a recommendation about managing or investing possessions or an offer or solicitation in respect of any services or products to any persons who are forbidden from receiving such details under the laws relevant to their place of citizenship, domicile or residence. In offering these materials, PGIM is not acting as your fiduciary. These materials represent the views, viewpoints and recommendations of the author(s) regarding the financial conditions, asset classes, securities, issuers or financial instruments referenced herein. Certain details has been acquired from sources that PGIM thinks to be trustworthy since the date presented; however, PGIM can not ensure the accuracy of such details, assure its completeness, or warrant such info will not be changed. This info, including projections and projections, is present since the date of issuance (or an earlier referenced date) and is subject to change without notification. PGIM has no obligation to update such info; nor do we make any express or implied warranties or representations as to the completeness or accuracy or accept responsibility for mistakes. PGIM and its affiliates may establish and publish research that is independent of, and different than, the recommendations included herein. References to particular securities are for illustrative purposes just and are not intended and must not be analyzed as suggestions to acquire, hold, or sell such securities.