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Before investing in the Sphere 500 Fossil-Free Index Fund (“SPFFX”), consider the index’s investment objectives, risks, charges and expenses. To obtain a  prospectus or summary prospectus which contains this and other information, please visit reflectionam.com or talk to your financial advisor. Read it carefully before investing. The Sphere 500 Fossil Free Index tracks the BITA 500 US Giants and excludes the ~40 fossil fuel companies that are in the top 500 list. 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 fuel as a part of their business or have used fossil fuels in the past.The performance data quoted represents past performance and is no guarantee of future results. 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. 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 our sphere.org/index. 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 Fossil-Free Index Fund is distributed by Vigilant Distributors, LLC, member of FINRA and SIPC. NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUEFossil fuel company exclusion list disclaimer: Due to differences between the quarterly rebalance of the Sphere 500 Fossil Free Index (SPFFXI) and the intermittent updates of the fossil fuel company exclusion list from fossilfreefunds.org/how-it-works, SPFFXI may not always match the exclusion list as provided by fossilfreefunds.org. However, SPFFXI will always match the most recent fossilfreefunds.org update prior to the quarterly rebalance, which takes place as of the close of the third Friday in March, June, September, and December.

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