Active ETFs

Important Legal Information

All investments involve risks, including possible loss of principal. For fixed income ETFs, bond prices, and thus an ETF's unit price, generally moves in the opposite direction of interest rates. Special risks are associated with foreign investing, including currency fluctuations, economic instability and political developments; investments in emerging markets involve heightened risks related to the same factors. To the extent the ETF focuses on particular countries, regions, industries, sectors or types of investment from time to time, it may be subject to greater risks of adverse developments in such areas of focus than an ETF that invests in a wider variety of countries, regions, industries, sectors or investments. Performance of the ETFs may vary significantly from the performance of an index, as a result of transactions costs, expenses and other factors. These and other risks are discussed in the ETF's prospectus.

ETFs trade like stocks, fluctuate in market value and may trade at prices above or below their net asset value. Brokerage expenses and ETF fees will reduce returns.

For more information on any funds, contact your financial advisor or download a prospectus. Investors should carefully consider a fund's investment goals, risks, sales charges and expenses before investing. The prospectus contains this and other information. Please read the prospectus carefully before investing or sending money.

The material for the Insights section reflects the analysis and opinions of the authors as of the stated date and may differ from the opinions of other portfolio managers, investment teams or platforms at Franklin Templeton Investments. It is intended to be of general interest only and should not be construed as individual investment advice or a recommendation or solicitation to buy, sell or hold any security or to adopt any investment strategy. It does not constitute legal or tax advice.

The views expressed are those of the investment manager and the comments, opinions and analyses are rendered as of the date of this posting and may change without notice. The information provided in this material is not intended as a complete analysis of every material fact regarding any country, region, market, industry, security or strategy.

Statements of fact are from sources considered reliable, but no representation or warranty is made as to their completeness or accuracy.

Additional important data provider notices and terms are available at www.franklintempletondatasources.com.

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