DISCLAIMERS

Fidelity Investments, LLC.

Fidelity Investments is an independent company, unaffiliated with Spire Investment Partners. Fidelity Investments is a service provider to Spire Investment Partners.  There is no form of legal partnership, agency affiliation or similar relationship between your financial advisor and Fidelity Investments, nor is such a relationship created or implied by the information herein. Fidelity Investments has not been involved with the preparation of the content supplied by Spire Investment Partners and does not guarantee or assume any responsibility for its content. Fidelity Investments is a registered service mark of FMR LLC. Clearing, custody or other brokerage services may be provided by National Financial Services LLC or Fidelity Brokerage Services, LLC. 597789.0

Pershing, LLC.

Pershing, LLC. is an independent company, unaffiliated with Spire Investment Partners. Pershing, LLC. Is a service provider to Spire Investment Partners. There is no form of legal partnership, agency affiliation or similar relationship between your financial advisor and Pershing, LLC. Nor is such a relationship created or implied by the information herein. Pershing, LLC. Has not been involved with the preparation of the content supplied by Spire Investment Partners and does not guarantee or assume any responsibility for its content. Pershing, LLC is a Bank of New York Mellon Company.

Charles Schwab & CO., INC.

These materials have been independently produced by Spire Investment Partners. Spire Investment Partners is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC®. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. Spire Investment Partners provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.