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Invest in SPFFX through your company's 401(k)

Amazing. Your company has added SPFFX to their 401(k) lineup. Here are the last steps to move your money out of fossil fuel companies and into a climate-friendly fund.

Log into your company's 401(k) platform

Log into your company’s 401(k) platform. If you don’t know your 401(k) platform, ask your HR. Often companies have a single-sign-on service so that you don’t have to remember your password. If that doesn’t work, you can always click “forgot my password.” Don’t worry, we’ll wait.

Transfer your existing 401(k) funds to SPFFX

Look for a list showing where your money is currently invested. This is everything that has been withheld from your paychecks in the past on a pre-tax basis. If you went with the default option when you started your job, you're likely investing in something known as a target-date fund, with the year you plan to retire in the name of the fund. These funds automatically move your money out of stocks and into bonds as you get closer to retirement. They also typically invest in fossil fuel companies. You should have an option to move any portion of your funds into the Sphere 500 fund - look for the ticker SPFFX. It may be categorized as a "Large Cap" fund or in an "Other" section.

Have your ongoing contributions go to SPFFX

Now look for a place that talks about your ongoing contributions. This is what will be withheld from each paycheck on a pre-tax basis moving forward. Oftentimes you can go with a number of default plans that allocate certain percentages of your contributions to different funds. You can choose to allocate anything from 0% to 100% of your future contributions to the Sphere 500 fund. Look for the ticker SPFFX. It may be categorized as a "Large Cap" fund or in an "Other" section.

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As with all investments, there are risks involved with investing in SPFFX. Risks include, but are not limited to, sustainability considerations, general market or market event, common stock risks, climate investing considerations risk, sector risk, and third-party data risks as it relates to the composition of the Index. For a detailed explanation of the risks associated with SPFFX and the underlying Index, please read the prospectus.

The Sphere 500 Climate Fund tracks the Sphere 500 Fossil-Free Index. The Sphere 500 Fossil-Free Index starts with the top 500 US companies by market capitalization and then excludes those companies designated as participants in the fossil fuel industry. The Sphere 500 Fossil-Free Index will not invest in companies whose main lines of business include producing, distributing, or refining fossil fuels, holding reserves of fossil fuels, utilities that are primarily fossil fuel-powered, and producers of equipment for any of the above. However, the fund may invest in companies that use fossil fuels as a part of their business or have used fossil fuels in the past. Investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Index returns do not reflect the effects of fees or expenses. It is not possible to invest directly in an index.

The performance data quoted represents past performance and is no guarantee of future results. Current performance may be lower or higher than the performance data quoted. For the most recent month-end performance, please call 844-2-SPHERE or visit the fund’s website at https://www.oursphere.org/fund.

Index performance is discussed for illustrative purposes only as a benchmark for each strategy’s performance and does not predict or depict performance of that strategy. While index comparisons may be useful to provide a benchmark for a strategy’s performance, it must be noted that investments are not limited to the investments comprising the indices. Each of the strategy benchmark indices are unmanaged and cannot be purchased directly by investors. Past performance does not guarantee future results. No portion of the content should be considered a solicitation to buy or an offer to sell shares of the fund in any jurisdiction where the solicitation or offer would be deemed unlawful under the securities laws of such jurisdiction. The Sphere 500 Climate Fund is distributed by Ultimus Fund Distributors, LLC, member of FINRA and SIPC, which is not affiliated with Sphere or SPFFX. NOT FDIC INSURED NOT BANK GUARANTEED. MAY LOSE VALUE.