DISCLOSURE:

This communication shall not constitute an offer to sell or the solicitation of an offer to buy nor shall there be any sale of any investment products in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction.

ETFs (Exchange Traded Funds) are subject to risks, including loss of principal. ETFs are subject to risks similar to those of stocks.

Diversification does not eliminate the risk of experiencing investment losses. Ordinary brokerage commissions apply when trading shares of an ETF.

To obtain a prospectus, which contains this and other information, visit WWW.RIDGELINERESEARCH.COM. Read the Prospectus carefully before investing.