Investor Presentaiton

Appendix Social Profile: Exclusions Full Detail Exclusion Predatory Lending Civilian Firearms Landmines & Cluster Munitions Tobacco Coal • Sudan Resolutions • URJ Resolution on Ethical Consumer Credit Lending Practices in the United States, Adopted in 2007 ⚫ CCAR Resolution on Ending Gun Violence, Adopted in 2000 • CCAR Resolution on Gun Control, Adopted in 1975 URJ Resolution on Landmines, Adopted in 2011 CCAR Resolution on Endorsing the Proposed FDA Smoking Regulations, 1996 • CCAR Resolution on Smoking, 1985 • URJ Resolution on Smoking, 1987 • URJ Resolution on the Environment, Adopted in 1997 URJ Resolution on Divestment from Sudan, Adopted in 2007 • Details Prohibit abusive lending practices; cap interest rates; support plain • language descriptions of terms; ban mandatory arbitration; include truth in lending requirements in overdraft loans. Support gun control and anti-violence efforts. • Comprehensive ban on handguns other than specified exceptions. • • Moratorium on sale and export of landmines. • • • Discourage tobacco use by children; reduce tobacco advertising to children and youth. • Oppose smoking. Oppose smoking; reduce subsidies to tobacco industry. Environmental justice; community recycling programs; protect wilderness areas; ensure continuation of animal and plant species. • Support development of national energy policy centered on conservation and development of alternative energy sources; call on oil, auto and other industries to develop policies. Companies with sanctioned ties to the Sudanese government where those companies have not been exempted by the US government, or where the ties are humanitarian in nature, or the company is a social development company. aperio For Professional Investor Use Only 10

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