From Nuveen

Gaurav Ray

Director, Senior Trader

Gaurav is a director and trader for TIAA Investments. He is the lead trader in municipal bonds.

Gaurav joined TIAA Investments in 2013 and has 8 years of experience trading municipal bonds. Prior to joining the firm, he was a municipal bond trader at Edward Jones.

Gaurav graduated with a B.Sc. in Finance from Arizona State University.

Nuveen Asset Management and TIAA Investments are affiliate companies of Nuveen, LLC.

Firm tenure for Nuveen Asset Management investment professionals may include years of service at predecessor advisory operations.

This material is not intended to be a recommendation or investment advice, does not constitute a solicitation to buy or sell securities. The information does not take into account the specific objectives or circumstances of any investor, or suggest any specific course of action. Investment decisions should be made based on an investor's objectives and circumstances and in consultation with his or her advisors.

All investments involve risk and there is no assurance that an investment will provide positive performance over any period of time. Past performance does not guarantee future results.

609191-INV-AN-09/19

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