<p>RBC Wealth Management does not provide tax or legal advice. All decisions regarding the tax or legal implications of your investments should be made in connection with your independent tax or legal advisor. No information, including but not limited to written materials, provided by RBC WM should be construed as legal, accounting or tax advice.</p>

<p style="margin-bottom:4px"><span style="font-size:12pt"><span style="font-family:&quot;Times New Roman&quot;,serif"><span style="font-size:11.0pt"><span style="font-family:&quot;Calibri&quot;,sans-serif">Topics discussed and information contained in The Brian Kroneberger Financial Hour&nbsp;segments have&nbsp;been derived from sources believed to be reliable, but no representation or warranty, express or implied, is made by RBC Wealth Management, its affiliates, or any other person as to its accuracy, completeness, or correctness. All opinions and estimates constitute Mr. Kroneberger&rsquo;s judgment as of the date of recording, and may not be the same as those of RBC Wealth Management&#39;s research department. All conclusions are subject to change without notice, and are provided in good faith but without legal responsibility.&nbsp;</span></span></span></span><span style="font-size:11.0pt"><span style="line-height:107%"><span style="font-family:&quot;Calibri&quot;,sans-serif">To the fullest extent permitted by law neither RBC Wealth Management nor any of its affiliates, nor any other person, accepts any liability whatsoever for any direct or consequential loss arising from any use of the information contained in any Brian Kroneberger Financial Hour presentation.</span></span></span></p> <p style="margin-bottom:4px"><span style="font-size:12pt"><span style="font-family:&quot;Times New Roman&quot;,serif"><b><span style="font-size:11.0pt"><span style="font-family:&quot;Calibri&quot;,sans-serif">Past performance is no guarantee of future results. </span></span></b><span style="font-size:11.0pt"><span style="font-family:&quot;Calibri&quot;,sans-serif">It is not possible to invest directly in an index.</span></span></span></span></p>