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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.

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