General Disclosure

General Disclosure : hScore should not be used as the sole basis for any investment decision. All outcomes generated are hypothetical in nature and may vary with each use of the tool over time. There are many limitations associated with using this interactive analysis tool, including, but not limited to, the following: 1) data presented may not represent the latest possible information (security prices are, for example, generally updated as of previous market close), 2) tax impacts, fees, and transaction costs associated with trading are not captured, 3) your individual goals, preferences, and investing situation may not be fully represented within the system, 4) there may be better investments superior to those analyzed, and 5) recommendations provided may become stale before acted upon.

hScore Advisors LLC (hScore) provides investment advice only through its Mobile based application, hScore, and only to investors who are advisory clients of hScore Advisors LLC pursuant to written advisory Client Agreements (“Advisory Services”). The publicly available portions of the Platform (i.e., the sections of the Platform that are available to individuals who are not party to a Client Agreement - including hscore.com and portions of mobile app , hScore ) are provided for educational purposes only and are not intended to provide legal, tax, or financial planning advice. To the extent that any of the content published on publicly available portions of the Platform may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. Nothing on the publicly available portions of the Platform should be construed as a solicitation or offer, or recommendation, to buy or sell any security. All charts, figures, and graphs on the publicly available websites are for illustrative purposes only. Before investing, you should consider whether any investment, investment strategy, security, other asset, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You are also encouraged to consult your legal, tax, or investment professional regarding your specific situation. Registration does not imply a certain level of skill or training. Investing involves risk. The value of your investment will fluctuate, and you may gain or lose money.

The contents of the Platform may contain forward-looking statements that are based on management's beliefs, assumptions, current expectations, estimates, and projections about the financial industry, the economy, or hScore Advisors LLC itself. Forward-looking statements are not guarantees of the underlying expected actions or future performance and future results may differ significantly from those anticipated by the forward-looking statements. Therefore, actual results and outcomes may materially differ from what may be expressed or forecasted in such forward-looking statements.

Services: Our services range from financial analysis to investment recommendations, including offering guidance on the selection and management of securities, including stocks,mutual funds, and ETFs. We also assist with portfolio diversification and risk management. Please note, our guidance is based on our understanding of market trends, backward and forward looking fundamentals; it does not guarantee any specific investment performance. Furthermore, this guidance may not be comprehensive in its understanding of all facets of macroeconomics, markets, and individual user's specific situations, and thus should not be relied on as such.

Past performance: Past performance information might be shared to provide insight into our investment strategies and decision-making process. However, past performance is not indicative of future results and does not imply the validity of any trading strategy. Investment values will fluctuate as market conditions change. It is important to understand that all investment strategies, including those achievable in conjunction with our investment platform, could lead to the loss of your invested capital. The hScore score ( return, safety and income) performance is based on backtested results. Backtested performance is not an indicator of future actual results. The results reflect performance of a strategy not historically offered to investors and does not represent returns that any investor actually attained. Backtested results are calculated by the retroactive application of a model constructed on the basis of historical data and based on assumptions integral to the model which may or may not be testable and are subject to losses. General assumptions include: XYZ firm would have been able to purchase the securities recommended by the model and the markets were sufficiently liquid to permit all trading. Changes in these assumptions may have a material impact on the backtested returns presented. Certain assumptions have been made for modeling purposes and are unlikely to be realized. No representations and warranties are made as to the reasonableness of the assumptions. This information is provided for illustrative purposes only. Backtested performance is developed with the benefit of hindsight and has inherent limitations. Specifically, backtested results do not reflect actual trading or the effect of material economic and market factors on the decision-making process. Since trades have not actually been executed, results may have under- or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity, and may not reflect the impact that certain economic or market factors may have had on the decision-making process. Further, backtesting allows the security selection methodology to be adjusted until past returns are maximized. Actual performance may differ significantly from backtested performance. Backtested results are adjusted to reflect the reinvestment of dividends and other income and, except where otherwise indicated, are presented gross-of fees and do not include the effect of backtested transaction costs, management fees, performance fees or expenses, if applicable. Please note all regulatory considerations regarding the presentation of fees must be taken into account. No cash balance or cash flow is included in the calculation.

Risks: Investments inherently carry risk, including the potential loss of all invested capital. This can occur as a result of numerous factors including, but not limited to, market volatility, specific investment selection, and global economic conditions. While our platform uses a variety of analyses to measure and provide guidance on managing risk, we cannot guarantee any specific investment results or that you will not experience loss in your investment account(s).

Besides the risks involved in investing, there are additional risks that come with the use of our platform – including, but not limited to, the possibility that critical data is missing, incomplete, or inaccurate, and that data is not sufficiently up to date.

The Platform make use of Forecasted or Expected performance for the purposes of interactive analysis and displaying key assumptions of that interactive analysis. Actual financial and macroeconomic statistics are unknowable and will differ, often substantially, from forecasted statistics. hScore model assumptions are derived from a proprietary set of finance and machine learning models, which blend securities data and statistical projections.

Portfolio Analysis and Recommendations: The Portfolio Score, Portfolio Analysis, and Personalized Recommendations are intended to provide insight based on the return, saftey and income preferences other information you have provided. All insight provided represents a courtesy extended to you for educational purposes and you should not rely on this information as the primary basis of your investment, financial, or tax planning decisions. If you are ill-equipped to manage your portfolio yourself, you should seek financial, tax, and/or legal professionals regarding your specific situation.

There are inherent limitations on our selection methodology as the suitability factors valuated by the hScore algorithms do not comprehensively address all relevant considerations when making investment suitability determinations. Although hScore has standards governing the design, development, and testing of software before it is put into production with client assets, there is a risk that software may not perform as intended or as disclosed. hScore' s algorithms may not perform as intended for a variety of reasons, including but not limited to incorrect assumptions, changes in the market, available liquidity, and/or changes to data inputs. hScore periodically modifies its algorithms, or a computer system's code or underlying assumptions, and these changes may have unintended consequences. hScore conducts testing designed to ensure that our algorithms continue to function as intended when new code is introduced, and existing code is updated. Although such testing is intended to ensure that code changes do not create unintended consequences, clients should understand that testing, no matter how comprehensive, cannot guarantee the absence of code-related issues with our algorithms.

Comparative analysis, including portfolio simulations and draft portfolios, is intended to illustrate hypothetical differences between various allocation strategies based on a long-term historical asset class performance and is not meant to imply actual performance or results. Some of the analysis does not include taxes or fees, which can have a material impact. It is not possible to invest without incurring expenses, which will lower the actual return. Recommendations are drawn from a universe of securities that seeks to cover most ETFs listed on the New York Stock Exchange, NASDAQ, Toronto Stock Exchange, ARCA, BATS, Canadian National Stock Exchange, NEO, NYSE American, and TSX Ventures exchanges, plus any holdings (stocks, mutual funds, crypto, etc.) in a user's inputted portfolios, where data is available. The platform outputs recommendations for which the addition or removal of a security improves the Portfolio Score. Users should be aware that there may be investments superior to those analyzed. Recommendations are only valid in the moments after they are generated.

Fees analysis is drawn only from expense ratio data and does not include other types of fees or transaction costs, including, but not limited to, sales charges which may be deferred, such as back-end load fees incurred when selling some mutual funds. Always conduct further research before acting on the Fees analysis interactive output. Fund similarity is determined by comparing two fund's metadata as well as their quantitative relatedness over their histories. Any changes to a portfolio, however small, will also change its outlook as a whole, because even similar securities are not the same.

Hypothetical Performance and Simulation: Some sections of the Platform - such as the Overview, Simulations, and Equity Search pages, display interactive, hypothetical performance. As the designation suggests, these outputs are entirely hypothetical in nature, and are meant to be illustrative. They are often missing key considerations such as transaction costs and other fees. Where possible the Platform contain notes regarding assumptions and methodologies, but if there is any ambiguity, please contact support. Hypothetical performance information on the Platform is generated via interactive tools that have their risks and limitations.

There are frequently sharp differences between hypothetical performance results and the actual results subsequently realized by any particular trading program. Hypothetical performance is not indicative of future results. One of the limitations of hypothetical performance results is that they are generally prepared with the benefit of hindsight. In addition, hypothetical trading does not involve financial risk, and no hypothetical trading record can completely account for the impact of financial risk in actual trading. For example, the ability to withstand losses or to adhere to a particular trading program in spite of trading losses are material points that can adversely affect actual trading results. There are numerous other factors related to the markets in general or to the implementation of any specific trading program that cannot be fully accounted for in the preparation of hypothetical performance results, all of which can adversely affect actual trading results. All insight provided from hypothetical performance and simulation represents a courtesy extended to you for illustrative purposes only and you should not rely on this information as the primary basis of your investment, financial, or tax planning decisions. No representations, warranties, or guarantees are made as to the accuracy of any estimates or calculations. hScore is not liable for any damages or costs of any type arising out of or in any way connected with your use of these indications.

Equity Research: This interactive tool is intended for research purposes only. It is not investment advice and does not imply anything definitive about the performance of any basket of securities or the efficacy of any trading strategy. Its output is hypothetical in nature and may vary each time used depending on the query submitted, any changes to historical data series, and randomness inherent to the ways that generative machine learnig models produce information. There is no guarantee that the securities outputted will relate in any way to the query presented, and all users of the tool should validate all outputs as part of a research process. No transaction costs or other fees are assumed. The simulation is meant to be illustrative only. Nothing here is indicative of future results.

Electronic communication: Emails, chats, and other forms of electronic communication, while generally reliable, are not always secure or error-free. Messages may be lost, delayed, intercepted, or received by unintended recipients. Although we take precautions to safeguard your information, we cannot be responsible for losses or damages resulting from communication failures, including those due to technical failures or cybersecurity breaches.