A sustainable fund and a fund that uses ESG integration ( “ESG Integration”) are different. Sustainable funds apply sustainable criteria to the investment universe to identify investments for inclusion in such fund. However, ESG Integration is when a fund’s portfolio manager(s) may consider financially material, social and/or governance (ESG) characteristics alongside other factors There is not a uniform definition of sustainable investing or ESG integration. With respect to a sustainable fund, using a sustainable investing approach may result in foregoing certain investments and may result in different performance results as compared to funds that do not have similar focuses. With respect to a fund that uses ESG Integration, financially material ESG characteristics are one of several factors that may be considered and as a result, the investment process may not work as intended. A Fund may perform differently from funds that do not integrate ESG into their analysis.