Mercer Coronavirus Commentary

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Important notices
References to Mercer shall be construed to include Mercer LLC and/or its associated companies.
© 2020 Mercer LLC. All rights reserved.
This contains confidential and proprietary information of Mercer and is intended for the exclusive use of the parties to whom it
was provided by Mercer. Its content may not be modified, sold or otherwise provided, in whole or in part, to any other person or
entity without Mercer’s prior written permission.
Mercer does not provide tax or legal advice. You should contact your tax advisor, accountant and/or attorney before making any
decisions with tax or legal implications.
This does not constitute an offer to purchase or sell any securities.
The findings, ratings and/or opinions expressed herein are the intellectual property of Mercer and are subject to change without
notice. They are not intended to convey any guarantees as to the future performance of the investment products, asset classes or
capital markets discussed.
For Mercer’s conflict of interest disclosures, contact your Mercer representative or see This
does not contain investment advice relating to your particular circumstances. No investment decision should be made based on
this information without first obtaining appropriate professional advice and considering your circumstances. Mercer provides
recommendations based on a client’s particular circumstances, investment objectives and needs. As such, investment results will
vary and actual results may differ materially.
Information contained herein may have been obtained from a range of third party sources. While the information is believed to
be reliable, Mercer has not sought to verify it independently. As such, Mercer makes no representations or warranties as to the
accuracy of the information presented and takes no responsibility or liability (including for indirect, consequential, or incidental
damages) for any error, omission or inaccuracy in the data supplied by any third party.
Past performance is no guarantee of future results. The value of investments can go down as well as up, and you may not get
back the amount you have invested. Investments denominated in a foreign currency will fluctuate with the value of the currency.
Certain investments, such as securities issued by small capitalization, foreign and emerging market issuers, real property, and
illiquid, leveraged or high-yield funds, carry additional risks that should be considered before choosing an investment manager
or making an investment decision.
Investment management and advisory services for U.S. clients are provided by Mercer Investments LLC (Mercer Investments). In
November, 2018, Mercer Investments acquired Summit Strategies Group, Inc. (“Summit”), and effective March 29, 2019, Mercer
Investment Consulting LLC (“MIC”), Pavilion Advisory Group, Inc. (“PAG”), and Pavilion Alternatives Group LLC (“PALTS”)
combined with Mercer Investments. Certain historical information contained herein may reflect the experiences of MIC, PAG,
PALTS, or Summit operating as separate entities. Mercer Investments is a federally registered investment adviser under the
Investment Advisers Act of 1940, as amended. Registration as an investment adviser does not imply a certain level of skill or
training. The oral and written communications of an adviser provide you with information about which you determine to hire or
retain an adviser. Mercer Investments’ Form ADV Part 2A & 2B can be obtained by written request directed to: Compliance
Department, Mercer Investments, 99 High Street, Boston, MA 02110.

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