The opinions expressed herein are those of Clark Capital Management Group, Inc. (“Clark Capital”) and are subject to change without notice. This material is not financial advice or an offer to sell any product. Clark Capital reserves the right to modify its current investment strategies and techniques based on changing market dynamics or client needs and there is no guarantee that their assessment of investments will be accurate. There is no guarantee that Clark Capital’s strategies or recommendations will equal or exceed expectations discussed. Clark Capital Management Group, Inc. is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about Clark Capital including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.