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   Plus, the consequences of higher-than-expected British inflation |
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                                TOGETHER WITH
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                   Hi Sarah, here's what you need to know for
                   <strong>
                    August 21st
                   </strong>
                   in
                   <strong>
                    3:02 minutes
                   </strong>
                   .
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                    <span class="font-normal" style="font-weight: 400;">
                     Americans hunted for bargains and DIY fixes last quarter – but left luxury items on the shelves
                    </span>
                   </li>
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                    <span class="font-normal" style="font-weight: 400;">
                     Why these firms (and their investors) are all about ether –
                     <a class="text-primary underline font-medium" style="font-weight: 500; color: #204CE9; text-decoration: underline;">
                      Read Now
                     </a>
                    </span>
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                    <span class="font-normal" style="font-weight: 400;">
                     British inflation surprised everybody by growing more than expected last month
                    </span>
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                     🍫 Finimized over a hot chocolate at
                     <a style="color: #204CE9; text-decoration: underline; font-weight: 500;">
                      The Workshop
                     </a>
                     in Cork, Ireland (🌥 17°C/63°F)
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              <span class="text-heading1 text-black font-black" style="font-weight: 900; color: #283444; font-size: 24px;">
               Wild Card
              </span>
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              </h4>
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              </p>
              <p data-block-key="tged4" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                What’s going on here?
               </b>
              </p>
              <p data-block-key="5ed44" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               American retail earnings showed that US consumers
               <i>
                are
               </i>
               still shopping… but the economy could always play its Uno Reverse card.
              </p>
              <p data-block-key="8h1gv" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                What does this mean?
               </b>
              </p>
              <p data-block-key="argoa" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               🔺
               <b>
                TJX
               </b>
               – the discount department store brand behind TJ Maxx and Marshalls – did well last quarter, suggesting that US shoppers are hunting for bargains. And it seems homeowners are still prioritizing low-cost DIY upgrades: home improvement titan
               <b>
                Lowe’s
               </b>
               made enough dough to raise its outlook for the year.
              </p>
              <p data-block-key="bhmg1" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               🔻
               <b>
                Target’s
               </b>
               earnings were more “meh”. The big-box retailer reported its eleventh straight quarter of flat or falling sales, indicating that its middle-income customer niche might be cutting back. And
               <b>
                Estée Lauder
               </b>
               (known for luxury beauty brands like La Mer) warned of flagging demand in both the US and China – and suffered a $100 million tariff hit.
              </p>
              <p data-block-key="6tjj6" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                Why should I care?
               </b>
              </p>
              <p data-block-key="elc0m" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                <i>
                 For markets:
                </i>
               </b>
               <i>
                The rich don’t always get richer.
               </i>
              </p>
              <p data-block-key="5mo1f" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               You might’ve heard of “the wealth effect”: where folk spend more when the value of their assets (like stocks or property) increases, since that makes them
               <i>
                feel
               </i>
               richer. It works in reverse, too – and that’s what economists are worried about now. See, falling stock prices could make even well-off households rein in their spending. And if they do, the luxury, beauty, and housing sectors could be left wanting.
               <a style="text-decoration: underline; font-weight: 500; color: #3C4857;">
                Defensive stocks
               </a>
               , though, would shine: those companies sell things that folk always need, which protects them from swings in spending.
              </p>
              <p data-block-key="dkcuq" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                <i>
                 The bigger picture:
                </i>
               </b>
               <i>
                That LinkedIn post tanked.
               </i>
              </p>
              <p data-block-key="3okc0" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               Target’s stock dropped after its results, and not just because of the middling numbers. The retailer announced that its next CEO will be… its current COO, continuing a wider trend of internal promotions. Investors had hoped for a more radical shakeup – and the decision signaled just more of the same.
              </p>
              <p style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0;">
              </p>
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              <p data-block-key="arelz" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0;">
               <b>
                You might also like:
               </b>
               <a style="color: #204CE9; text-decoration: underline; font-weight: 500;">
                A defensive portfolio prepared for the wealth effect’s reversal
               </a>
               .
              </p>
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                  <strong>
                   Copy to share story:
                  </strong>
                  <a class="text-black60 font-normal" style="text-decoration: underline; font-weight: 400; color: #71767B;" target="_blank">
                   https://app.finimize.com/content/wild-card
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                         <span style="font-family: Helvetica, Arial, sans-serif; font-size: 12px; font-weight: bold; color: #E6F14A; display: inline-block;">
                          FROM OUR RESEARCH DESK
                         </span>
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                         <h2 style="font-weight: 700; line-height: 1.25; margin-bottom: 16px; font-size: 24px; color: #FFFFFF; margin: 0 0 4px; font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif; margin-top: 0;">
                          The Ether-Focused Firms That Are Betting Big On The No.2 Crypto
                         </h2>
                         <p style="line-height: 1.5; margin-top: 0; margin-bottom: 16px; font-family: Helvetica, Arial, sans-serif; font-size: 14px; color: #FFFFFF; margin: 0;">
                          Russell Burns
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                      <img alt="The Ether-Focused Firms That Are Betting Big On The No.2 Crypto" src="https://inboxflows.com/_/image/https%253A%252F%252Ffinimize-img.imgix.net%252Fhttps%253A%252F%252Fchivas-assets.s3-eu-west-1.amazonaws.com%252Fstatic%252Fimages%252FInsight-200825-Ethereum.original.jpg%253Ffit%253Dclip%2526h%253DNone%2526ixlib%253Dpython-3.1.2%2526w%253D768%2526s%253D0ec9d0bc233b08ce64d7ba08a62591b3/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3NTU3NjM2MzUuODcwMDUzfQ:1up0KJ:76JRMw_vS9PCds1q94TvnvET544csPtmJEahsEptpvU" style="max-width: 300px; border-radius: 4px;" width="300"/>
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                      <a style="color: inherit; text-decoration: underline; font-weight: inherit;">
                       Bitcoin’s
                      </a>
                      always been the superhero in the cryptocurrency origin story – all shadowy presence and market-moving powers.
                     </p>
                     <p data-block-key="dqs9t" style="font-size: 16px; line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; color: #fff;">
                      And
                      <a style="color: inherit; text-decoration: underline; font-weight: inherit;">
                       ether’s
                      </a>
                      been the dependable sidekick, clocking the hours but getting a lot less of the glory.
                     </p>
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                      But that dynamic’s been changing. Ether-focused
                      <a style="color: inherit; text-decoration: underline; font-weight: inherit;">
                       digital asset treasury (DAT)
                      </a>
                      firms are turning investors’ heads – and stockpiling the world’s second-biggest crypto while they’re at it.
                     </p>
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                      That’s today’s Insight:
                      <a style="color: inherit; text-decoration: underline; font-weight: inherit;">
                       how DATs work, and what to know before buying in
                      </a>
                      .
                     </p>
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                       <b>
                        Read or listen to the Insight here
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                     Back some of America’s biggest brands… with reach beyond US borders
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                    Allow us to introduce you to State Street’s DIA ETF: a simple and liquid way to trade the
                    <a style="color: #204CE9; font-weight: 500; text-decoration: underline;">
                     Dow Jones Industrial Average℠
                    </a>
                    , the oldest continuous index.¹
                   </p>
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                    You’ll find many of the
                    <a style="color: #204CE9; font-weight: 500; text-decoration: underline;">
                     most iconic American stocks
                    </a>
                    in there, representing firms with well-known reputations, sustained growth, and broad appeal for many types of investors.
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                    And at the same time, you’ll get
                    <a style="color: #204CE9; font-weight: 500; text-decoration: underline;">
                     broad exposure to the global market
                    </a>
                    . The 30 firms make revenue from over 172 countries, with more than a third of their combined takings coming from outside of the US.²
                   </p>
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                       Check out State Street’s DIA ETF
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               Hot Tea
              </span>
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                  <img alt="Hot Tea" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Ffinimize-img.imgix.net%252Fhttps%253A%252F%252Fchivas-assets.s3-eu-west-1.amazonaws.com%252Fstatic%252Fimages%252FEditorial-210825-UKInflation.original.jpg%253Ffit%253Dclip%2526h%253DNone%2526ixlib%253Dpython-3.1.2%2526w%253D768%2526s%253D1b3da53351055c6094f3887010ae5548/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3NTU3NjM2MzUuODcwMzAxfQ:1up0KJ:uVnhZsntWfZgzfMsCfz_BXkUuVWATyQMDsXNMRXEOiE" style="border:0;border-radius:4px;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="568"/>
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              </h4>
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              </p>
              <p data-block-key="utoyi" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                What’s going on here?
               </b>
              </p>
              <p data-block-key="3ffd5" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               UK inflation unexpectedly picked up in July, reaching its fastest pace since January 2024 and forcing Brits to pay even more for everyday essentials.
              </p>
              <p data-block-key="4va9j" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                What does this mean?
               </b>
              </p>
              <p data-block-key="1p4p6" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               Inflation in the UK came in at 3.8% last month, beating June’s 3.6% increase. That was mainly down to the “F” words: flights, fuel, and food all grew more expensive.
              </p>
              <p data-block-key="6fhdo" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               ► Airfares alone were up nearly a third since June.
              </p>
              <p data-block-key="2m7ao" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               ► Food inflation rose for the fourth month in a row, with grocery stores passing their rising wage and food costs on to shoppers.
              </p>
              <p data-block-key="d8ajp" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               ► And services inflation – a figure that the Bank of England (BoE) keeps an especially keen eye on – rose more than expected, hitting 5%.
              </p>
              <p data-block-key="9ul6q" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               The UK’s the odd one out now. European inflation is down at 2%, and America’s is sitting at 2.7%. British policymakers
               <i>
                could
               </i>
               manage increasing prices with interest rate hikes, but they risk slowing down the country’s already sluggish economy. Plus, they only just
               <i>
                cut
               </i>
               rates after a knife-edge vote.
              </p>
              <p data-block-key="5bels" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                Why should I care?
               </b>
              </p>
              <p data-block-key="7ecod" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                <i>
                 Zooming out:
                </i>
               </b>
               <i>
                The UK’s divided.
               </i>
              </p>
              <p data-block-key="4e8ni" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               Those rising prices could make the UK’s wealth gap worse. See, everyday households are putting more of their paychecks toward the essentials, forcing them to cut back on the nice-to-haves. Wealthier families, though, have more disposable income to play with, so they can still enjoy the finer things. And with British wages rising at a snail’s pace, lower- and middle-income households aren’t likely to get relief anytime soon.
              </p>
              <p data-block-key="elh2f" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                <i>
                 The bigger picture:
                </i>
               </b>
               <i>
                Brits can’t count on a quick resolution.
               </i>
              </p>
              <p data-block-key="s19l" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               The International Monetary Fund has found that most bouts of inflation last for more than three years. And sometimes inflation
               <i>
                looks
               </i>
               like it’s on the way down – but often, that’s false hope followed by another wave. So if history repeats, the BoE might need to keep interest rates up for a lot longer.
              </p>
              <p style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0;">
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               <b>
                You might also like:
               </b>
               <a style="color: #204CE9; text-decoration: underline; font-weight: 500;">
                Four lessons we can learn from the last 100 inflation bouts
               </a>
               .
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                  <strong>
                   Copy to share story:
                  </strong>
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                   https://app.finimize.com/content/hot-tea
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                  QUOTE OF THE DAY
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                  "Nobody ever drowned in his own sweat."
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                 <span class="text-caption font-normal text-blackLight leading-normal" style="font-weight: 400; line-height: 1.5; color: #3C4857; font-size: 12px;">
                  – Ann Landers (an American columnist)
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                   <h4 data-block-key="2t5l4" style="font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif; font-weight: 700; line-height: 1.25; margin-bottom: 16px; color: #171E27; font-size: 20px; font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif; margin-top: 0;">
                    <b>
                     Insure your bitcoin like it’s your most valuable asset – because it probably is
                    </b>
                   </h4>
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                    Your bitcoin stack could well be worth more than your car, your furniture… maybe even your house. And
                    <a style="color: #204CE9; font-weight: 500; text-decoration: underline;">
                     life insurance that’s priced in bitcoin
                    </a>
                    could help you protect it, pass it on, and even unlock liquidity when you need it – all without selling a single sat. So spend 30 minutes with us and Meanwhile’s Jason Leibowitz to find out how.
                   </p>
                  </div>
                 </td>
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                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;line-height:100%;">
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                       Grab Your Free Ticket
                      </a>
                     </td>
                    </tr>
                   </tbody>
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                 </td>
                </tr>
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       </td>
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   </div>
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               <tbody>
                <tr>
                 <td style="vertical-align:top;padding:25px;padding-top:16px;padding-bottom:16px;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   <tbody>
                    <tr>
                     <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                      <div style="font-family:Helvetica, Arial, sans-serif;;font-size:13px;line-height:1;text-align:left;color:#000000;">
                       <p class="content-box-header mb-4" style="line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; font-weight: 900; font-size: 16px; margin-bottom: 16px;">
                        🎯 On Our Radar
                       </p>
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                        1.
                        <b>
                         Can you hear us over the slurping?
                        </b>
                        There’s no
                        <a style="color: #204CE9; font-weight: 500; text-decoration: underline;">
                         escaping the mukbang
                        </a>
                        .
                       </p>
                       <p data-block-key="de0bc" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
                        2.
                        <b>
                         We don’t remember pressing play on a Black Mirror episode…
                        </b>
                        Kids’ toys are now
                        <a style="color: #204CE9; font-weight: 500; text-decoration: underline;">
                         powered by AI
                        </a>
                        .
                       </p>
                       <p data-block-key="9b2gm" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0;">
                        3.
                        <b>
                         Cancel your table at the club.
                        </b>
                        Spotify can make you
                        <a style="color: #204CE9; font-weight: 500; text-decoration: underline;">
                         a DJ at home
                        </a>
                        now.
                       </p>
                      </div>
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               <tbody>
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                 <td style="vertical-align:top;padding:25px;padding-top:16px;padding-bottom:16px;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   <tbody>
                    <tr>
                     <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                      <div style="font-family:Helvetica, Arial, sans-serif;;font-size:13px;line-height:1;text-align:left;color:#000000;">
                       <p class="content-box-header mb-4" style="line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; font-weight: 900; font-size: 16px; margin-bottom: 16px;">
                        🎙 Finimize Live
                       </p>
                       <h4 data-block-key="9kfl2" style="font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif; font-weight: 700; line-height: 1.25; margin-bottom: 16px; margin-top: 24px; color: #171E27; font-size: 20px; font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif;">
                        Grab your free tickets...
                       </h4>
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                        🔎
                        <a style="color: #204CE9; font-weight: 500; text-decoration: underline;">
                         Decoding Market Winners and Losers
                        </a>
                        : September 2nd
                       </p>
                       <p data-block-key="2cj2j" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
                        📋
                        <a style="color: #204CE9; font-weight: 500; text-decoration: underline;">
                         Wealth Planning For This Generation And Beyond
                        </a>
                        : September 16th
                       </p>
                       <p data-block-key="5qpiq" style="font-size: 16px; line-height: 1.5; color: #283444; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0;">
                        🚀
                        <a style="color: #204CE9; font-weight: 500; text-decoration: underline;">
                         Modern Investor Summit 2025
                        </a>
                        : December 2nd and 3rd
                       </p>
                      </div>
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                 <td align="left" class="content disclaimer" style="font-size:0px;padding:32px 0 0;word-break:break-word;">
                  <div style="font-family:Helvetica, Arial, sans-serif;;font-size:13px;line-height:1;text-align:left;color:#000000;">
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                    <b>
                     *Important Risk Information
                    </b>
                   </p>
                   <p data-block-key="8ujd5" style="line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; font-size: 12px; color: #9FA1A5;">
                    State Street Global Advisors (SSGA) is now State Street Investment Management. Please click
                    <a style="font-weight: 500; font-size: 12px; color: #9FA1A5; text-decoration: underline;">
                     here
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                    for more information.
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                    Investing involves risk including the risk of loss of principal.
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                    The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA's express written consent.
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                    All information is from SSGA unless otherwise noted and has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability or completeness of, nor liability for, decisions based on such information and it should not be relied on as such.
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                    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. Investors may acquire ETFs and tender them for redemption through the Fund in Creation Unit Aggregations only. Please see the prospectus for more details.
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                    The information provided does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your tax and financial advisor.
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                    Equity securities may fluctuate in value and can decline significantly in response to the activities of individual companies and general market and economic conditions.
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                    Passively managed funds invest by sampling the index, holding 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.
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                    The trademarks and service marks referenced herein are the property of their respective owners. Third party data providers make no warranties or representations of any kind relating to the accuracy, completeness or timeliness of the data and have no liability for damages of any kind relating to the use of such data.
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                    This communication is not intended to be an investment recommendation or investment advice and should not be relied upon as such.
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                    Frequent trading of ETFs could significantly increase commissions and other costs such that they may offset any savings from low fees or costs.
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                   <p data-block-key="69ugu" style="line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; font-size: 12px; color: #9FA1A5;">
                    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.
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                   <p data-block-key="7agqc" style="line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; font-size: 12px; color: #9FA1A5;">
                    The Fund's investments are subject to changes in general economic conditions, general market fluctuations and the risks inherent in investment in securities markets. Investment markets can be volatile and prices of investments can change substantially due to various factors including, but not limited to, economic growth or recession, changes in interest rates, changes in the actual or perceived creditworthiness of issuers, and general market liquidity. The Fund is subject to the risk that geopolitical events will disrupt securities markets and adversely affect global economies and markets. Local, regional or global events such as war, acts of terrorism, the spread of infectious illness or other public health issues, or other events could have a significant impact on the Fund and its investments.
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                    The S&amp;P 500® Index is a product of S&amp;P Dow Jones Indices LLC or its affiliates (“S&amp;P DJI”) and have been licensed for use by State Street Global Advisors. S&amp;P®, SPDR®, S&amp;P 500®, US 500 and the 500 are trademarks of Standard &amp; Poor’s Financial Services LLC (“S&amp;P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and has been licensed for use by S&amp;P Dow Jones Indices; and these trademarks have been licensed for use by S&amp;P DJI and sublicensed for certain purposes by State Street Global Advisors. The fund is not sponsored, endorsed, sold or promoted by S&amp;P DJI, Dow Jones, S&amp;P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of these indices.
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                    ALPS Distributors, Inc., member FINRA, is distributor for SPDR® S&amp;P 500®, SPDR® S&amp;P MidCap 400® and SPDR® Dow Jones Industrial Average, all unit investment trusts. ALPS Distributors, Inc. is not affiliated with State Street Global Advisors Funds Distributors, LLC.
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                    <b>
                     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 or visit www.ssga.com. Read it carefully.
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                    State Street Global Advisors Funds Distributors, LLC, member
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                     FINRA
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                    ,
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                     SIPC
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                    , One Iron Street, Boston, MA 02210.
                   </p>
                   <p data-block-key="ddtac" style="line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; font-size: 12px; color: #9FA1A5;">
                    © 2025 State Street Corporation. All Rights Reserved.
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                    <b>
                     Not FDIC Insured – No Bank Guarantee – May Lose Value
                    </b>
                   </p>
                   <p data-block-key="16u2b" style="line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; font-size: 12px; color: #9FA1A5;">
                    Adtrax Code: 8149114.1.1.AM.RTL DIA000725
                   </p>
                   <p data-block-key="9jj05" style="line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0; font-size: 12px; color: #9FA1A5;">
                    Expiration date: 08/31/26
                   </p>
                  </div>
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