AllianceBernstein ("AB") may cover conference fees, hotel, transportation, meals and provide other promotional items (e.g., mugs, calendars or gift baskets) to financial advisors. These items may be considered gifts or non-monetary compensation. Each advisor is responsible for ensuring that the receipt of any gifts or non-monetary compensation complies with his or her firm's internal policies and procedures and any applicable regulations. For example, the receipt of such gifts or compensation may trigger reporting requirements under the U.S. Department of Labor Form 5500 Schedule C and Section 408(b)(2) of ERISA. By accepting such gifts and compensation, each advisor will have deemed to represent and warrant to AllianceBernstein that such receipt does not violate any of his or her firm's policies and procedures and that the advisor will be responsible for complying with any applicable regulatory requirements. AB will not be providing investment advice at this seminar. However, please note AB does have a financial interest in promoting its products and investment expertise. AllianceBernstein Investments, Inc. (ABI) is the distributor of the AB family of mutual funds. ABI is a member of FINRA and is an affiliate of AllianceBernstein L.P., the manager of the funds. For financial advisor and consultant use only. Not for inspection by, distribution or quotation to, the general public.