ESG Overview

Differentiated Solutions

For more than 35 years, investors have used our ESG strategies as benchmark replacements, unique satellite exposures and model building blocks. Choose your path with these approaches:

Best-in-Class/ Positive Screening

Investment approach that is primarily designed to emphasize firms with more positive ESG traits relative to peers based on certain levels of ESG criteria.

Asset Class	Name	Ticker	TER
US Equity	SPDR® S&P 500 ESG ETF	EFIV	0.10%
US Equity	SPDR® SSGA Gender Diversity Index ETF	SHE	0.20%
US Equity	SPDR® S&P Kensho Clean Power ETF	CNRG	0.45%
Global Equity	SPDR® MSCI ACWI Low Carbon Target ETF	LOWC	0.20%
US Fixed Income	SPDR® Bloomberg SASB Corporate Bond ESG Select ETF	RBND	0.12%

Exclusionary

Investment approach that tracks an index that is primarily designed to exclude companies based on specific ESG criteria

Asset Class	Name	Ticker	TER
US Equity	SPDR® S&P® 500 Fossil Fuel Reserves Free ETF	SPYX	0.20%
International Equity	SPDR® MSCI Emerging Markets Fossil Fuel Reserves Free ETF	EEMX	0.30%
International Equity	SPDR® MSCI EAFE Fossil Fuel Reserves Free ETF	EFAX	0.20%

Contact Us

For questions or any further information on ESG solutions, please email us.

Glossary

Gross Expense Ratio The fund's total annual operating expense ratio. It is gross of any fee waivers or expense reimbursements. It can be found in the fund's most recent prospectus.

Disclosures

This communication is not intended to be an investment recommendation or investment advice and should not be relied upon as such.

In general, ETFs can be expected to move up or down in value with the value of the applicable index. Although ETF shares may be bought and sold on the exchange through any brokerage account, ETF shares are not individually redeemable from the Fund. ESG considerations may cause a fund to make different investment decisions than funds that do not incorporate such considerations in their strategy or investment processes. This could cause the Fund’s investment performance to be worse than funds that do not incorporate such considerations. ESG considerations also may affect a fund’s exposure to certain sectors and/or types of investments, and may adversely impact the Fund’s performance depending on whether such sectors or investments are in or out of favor in the market.

Bonds generally present less short-term risk and volatility than stocks, but contain interest rate risk (as interest rates raise, bond prices usually fall); issuer default risk; issuer credit risk; liquidity risk; and inflation risk. These effects are usually pronounced for longer-term securities. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss.

Investing involves risk including the risk of loss of principal.

Equity securities may fluctuate in value in response to the activities of individual companies and general market and economic conditions. Non-diversified funds may invest in a relatively small number of issuers, a decline in the market value may affect its value more than f it invested in a larger number of issuers. While the Fund is expected to operate as a diversified fund, it may become non-diversified for periods of time solely as a result of changes in the composition of its benchmark index.

Passively managed funds hold a range of securities that, in the aggregate, approximates the full Index in terms of key risk factors and other characteristics. This may cause the fund to experience tracking errors relative to performance of the index.

While the shares of ETFs are tradable on secondary markets, they may not readily trade in all market conditions and may trade at significant discounts in periods of market stress.

ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns.

Concentrated investments in a particular industry or sector may be more vulnerable to adverse changes in that industry or sector

Gender diversity risk: The returns on a portfolio of securities that excludes companies that are not gender diverse may trail the returns on a portfolio of securities that includes companies that are not gender diverse.

Foreign (non-US) Securities may be subject to greater political, economic, environmental, credit and information risk. Foreign securities may be subject to higher volatility than US securities, due to varying degrees of regulation and limited liquidity. These risks are magnified in emerging markets.

No fossil fuel reserve ownership may have an adverse effect on a company’s profitability and, in turn, the returns of the fund.

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ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns.

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Before investing, consider the funds' investment objectives, risks, charges and expenses. To obtain a prospectus or summary prospectus which contains this and other information, call 1-866-787-2257, download a prospectus or summary prospectus now, or talk to your financial advisor. Read it carefully before investing.

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