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Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. This material contains the current opinions of Dennis and Michael O'Sullivan but not necessarily those of Guardian or its subsidiaries and such opinions are subject to change without notice.All investments contain risk and may lose value. 2015-13697

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. This material contains the current opinions of Dennis and Michael O'Sullivan but not necessarily those of Guardian or its subsidiaries and such opinions are subject to change without notice.All investments contain risk and may lose value. 2015-13697

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. This material contains the current opinions of Dennis and Michael O'Sullivan but not necessarily those of Guardian or its subsidiaries and such opinions are subject to change without notice.All investments contain risk and may lose value. 2015-13697

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. This material contains the current opinions of Dennis and Michael O'Sullivan but not necessarily those of Guardian or its subsidiaries and such opinions are subject to change without notice.All investments contain risk and may lose value. 2015-13697

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. This material contains the current opinions of Dennis and Michael O'Sullivan but not necessarily those of Guardian or its subsidiaries and such opinions are subject to change without notice.All investments contain risk and may lose value. 2015-13697