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Data, assumptions, opinions and estimates constitute our judgment as of the date of this material and are subject to change without notice. VETS INDEXES LLC (“VETS”) and its affiliates and any third-party providers, as well as their directors, officers, shareholders, employees or agents (collectively VETS Parties) do not guarantee to the accuracy, completeness, adequacy or timeliness of any information, including ratings and rankings and are not responsible for errors and omissions or for the results obtained from the use of such information and VETS Parties shall have no liability for any errors, omissions, or interruptions therein, regardless of the cause, or for the results obtained from the use of such information. VETS PARTIES DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, SUITABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall VETS Parties be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of the information contained in this document even if advised of the possibility of such damages.

VETS statements are opinion as of the date they are expressed and not statements of fact or recommendations to purchase, hold, or sell any securities or to make any investment decisions. This information should not be relied on when making any investment or other business decision. VETS data, visualizations, opinions and analyses do not address the suitability of any security. VETS does not act as a fiduciary or an investment advisor. While VETS has obtained information from sources they believe to be reliable, VETS does not perform an audit or undertake any duty of due diligence or independent verification of any information it receives. VETS keeps certain activities of its business units separate from each other in order to preserve the independence and objectivity of their respective activities. As a result, certain business units of VETS may have information that is not available to other VETS business units. VETS has established policies and procedures to maintain the confidentiality of certain non-public information received in connection with each analytical process. VETS may receive compensation for its ratings, data, visualizations and certain analyses. VETS reserves the right to disseminate its opinions and analyses.

This material is not intended as an offer or solicitation for the purchase or sale of any security or other financial instrument. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue. Prices, values, or income from any securities or investments mentioned in this report may fall against the interests of the investor and the investor may get back less than the amount invested.

The information contained in this report does not constitute advice on the tax consequences of making any particular investment decision. This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation of particular securities, financial instruments or strategies to you nor is it considered to be investment advice. Before acting on any recommendation in this material, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice.