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Disclaimer

Innovest is an independent Registered Investment Adviser registered with the Securities and Exchange Commission.
Under no circumstances does Innovest ever provide tax, accounting, or legal advice.

If applicable, the statistical analysis contained herein was prepared by Innovest Portfolio Solutions LLC and may contain data provided by
Investment Metrics, LLC, Thomson Reuters Lipper, Morningstar, Inc., and other sources. These materials may also include information, returns,
and valuations that were compiled, computed, or created by Standard & Poor’s Financial Services LLC, MSCI Inc., and other sources. These
materials and the information that they contain are intended solely for the use of the intended recipient(s). They may not be reproduced or
distributed without written consent.
Reasonable care has been taken to ensure the accuracy of the computer software, databases, and information described in the preceding
paragraph. Innovest assumes no responsibility for and does not guarantee the accuracy of computer software, databases, or information.. All
entities identified in this disclaimer hereby expressly disclaim all express or implied warranties. None of these entities, nor any affiliate or other
person involved in compiling, computing, or creating this information, may be held liable for damages of any type or any other costs or fees related
to any person’s use of the data.

Innovest may have provided a current client’s historical performance as an example of the results of Innovest’s services for that client. The
performance included is not a composite and is not representative of the performance of all or any group of Innovest clients. This client’s accounts
were selected for inclusion based on the length of the client relationship, each account’s historical performance, the accounts’ risk and investing
characteristics, and the client’s reporting requirements. As a result, the portfolio included may have better return or risk characteristics than other
clients’ portfolios. The portfolio included may also have different risk and return objectives than you do. The included performance is net of
Innovest’s fees and underlying manager fees.

Past performance is no guarantee of future results. The market and economic environment in which the included performance was achieved
should not be expected to be typical or repeated in the future. The investments included in this portfolio were not insured by the FDIC and involve
investment risks, including the possible loss of all principal.
If applicable, returns included in these materials may represent mutual funds share classes or vehicles other than those in which clients are or may
be invested. Typically, any differences are the result of efforts to present the longest track record of the investment strategies.
Assumptions, opinions, and forecasts herein constitute Innovest’s judgment and are subject to change without notice. Past performance is no
guarantee of future results. The investment products discussed are not insured by the FDIC and involve investment risk including the possible loss
of all principal.

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