¹Morningstar Investment Management applies the same stringent investment quality standards we apply to all the lineups we create, but with the addition of screens and qualitative assessments for environmental, social, and governance considerations where relevant. To note, certain kinds of investments included in the lineup, such as TIPs or money market funds, do not by their nature have features that would qualify them as ESG-related. ESG assessments are not applicable to these types of investments.

²To note, certain kinds of investments included in the lineup, such as TIPs or money market funds might be used when no ESG investment option exists. ESG factors aren’t applicable to these types of investments.

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