Cybersecurity Risk. USL has taken effective measures to manage and supervise the internet trading system and protect the security of Account information and trading activities of Client when using USL’s websites and mobile applications. Nevertheless, USL hereby solemnly reminds the Client of cybersecurity risks associated with internet trading which are beyond USL’s reasonable control, including without limitation any risks stated in clause 15.4 above, and (a) interruption or delay of transaction instructions and data error arisen from causes like data transmission over the Internet and mobile telecommunication networks; (b) information stored in mobile phone including account and password is known to others due to the loss of mobile phones or improper safekeeping of password; (c) errors or delays in market information caused by factors like malicious attacks on mobile telecommunication networks or internet, or failures of network server; (d) mobile devices and software systems are illegally attacked, hacked or infected by viruses, affecting market information and trading order; (e) the mobile phone configuration, performance or software system is incompatible with the trading system provided, leading to unavailability; (f) failure or error in trading order due to improper or inexperienced operations of mobile phones; and (g) other failures of communication network not caused by our mobile application leading to failures of trading order inquiries. In view of the above cybersecurity risks, the Client is reminded to take prevention and protection measures when using internet trading system, acquire reasonable knowledge about appropriate computer and mobile phone operations and safety precaution. Once discovering any irregularities in the Account, network or electronic equipment, the Client should get contact with USL, network or electronic equipment suppliers and properly deal with such irregularities as soon as possible. The Client should also be reminded that login credentials such as the Password should be properly safeguarded and cannot be shared. Notwithstanding measures taken by USL to minimize the cybersecurity risks, USL accepts no responsibility for any loss which may be incurred by the Client as a result of such risks beyond USL’s reasonable control. The Client should not place any Instruction with USL over the internet if the Client is not prepared to accept such risks.

Cybersecurity Risk. Failures or breaches of the electronic systems of the fund, the fund’s adviser, distributor, the index provider and other service providers, market makers, authorized participants or the issuers of securities in which the fund invests have the ability to cause disruptions, negatively impact the fund’s business operations and/or potentially result in financial losses to the fund and its shareholders. While the fund has established business continuity plans and risk management systems seeking to address system breaches or failures, there are inherent limitations in such plans and systems. Furthermore, the fund cannot control the cybersecurity plans and systems of the fund’s index provider and other service providers, market makers, authorized participants or issuers of securities in which the fund invests.

Cybersecurity Risk. As the use of technology has become more prevalent in the course of business, the Fund is potentially more susceptible to operational and information security risks resulting from breaches in cyber security. A breach in cyber security refers to both intentional and unintentional cyber events from outside threat actors or internal resources that may, among other things, cause the Fund to lose proprietary information, suffer data corruption and/or destruction, lose operational capacity, result in the unauthorized release or other misuse of confidential information, or otherwise disrupt normal business operations. Cyber security breaches may involve unauthorized access to the Fund’s digital information systems (e.g., through “hacking” or malicious software coding), and may come from multiple sources, including outside attacks such as denial-of-service attacks (i.e., efforts to make network services unavailable to intended users) or cyber extortion, including exfiltration of data held for xxxxxx and/or “ransomware” attacks that renders systems inoperable until xxxxxx is paid, or insider actions. In addition, cyber security breaches involving the Fund’s third party service providers (including but not limited to advisers, sub-advisers, administrators, transfer agents, custodians, vendors, suppliers, distributors and other third parties), trading counterparties or issuers in which the Fund invests can also subject the Fund to many of the same risks associated with direct cyber security breaches or extortion of company data. Moreover, cyber security breaches involving trading counterparties or issuers in which the Fund invests could adversely impact such counterparties or issuers and cause the Fund’s investment to lose value. Cyber security failures or breaches may result in financial losses to the Fund and its shareholders. These failures or breaches may also result in disruptions to business operations, potentially resulting in financial losses; interference with the Fund’s ability to calculate its NAV, process shareholder transactions or otherwise transact business with shareholders; impediments to trading; violations of applicable privacy and other laws; regulatory fines; penalties; third party claims in litigation; reputational damage; reimbursement or other compensation costs; additional compliance and cyber security risk management costs and other adverse consequences. In addition, substantial costs may be incurred in order to prevent any cyber incidents i...

Cybersecurity Risk. The term ‘‘cyber- security risk’’ has the meaning given such term in section 2209 of the Homeland Secu- rity Act of 2002 (6 U.S.C. 659).

Cybersecurity Risk. Cybercriminals or computer criminals or other malicious groups or organizations may attempt to interfere with the Marketland Platform Services in a variety of ways, including but not limited to malware attacks, denial- of-service attacks, consensus-based attacks, Xxxxx attacks, Smurfing and Spoofing, or other Ransomware that could negatively affect the Services.

Cybersecurity Risk. The Program is highly dependent upon the computer systems of its service providers and their subcontractors. This makes the Program susceptible to operational and information security risks resulting from cyber threats and cyber-attacks which may adversely affect an Account and cause it to lose value. For instance, cyber threats and cyber-attacks may interfere with your ability to access an Account, make contributions or exchanges, request and receive distributions; they may also impact the ability to calculate net asset values and/or impede trading. Cybersecurity risks include security or privacy incidents, such as human error, unauthorized release, theft, misuse, corruption, and destruction of Account data maintained online or digitally. Cybersecurity risks also include denial of service, viruses, malware, hacking, bugs, security vulnerabilities in software, attacks on technology operations, and other disruptions that could impede the ability to maintain routine operations. Although the Program and its service providers undertake efforts to protect their computer systems from cyber threats and cyber-attacks, including internal processes and technological defenses that are preventative in nature, and other controls designed to provide a multi-layered security posture, there are no guarantees that the Program, the officers and employees of FAME may, or a certain Account will avoid losses due to cyber-attacks or cyber threats.

Cybersecurity Risk. With the increased use of technologies such as the Internet to conduct business, the fund is susceptible to operational, information security, and related risks. Cyber incidents affecting the fund or its service providers may cause disruptions and impact business operations, potentially resulting in financial losses, interference with the fund’s ability to calculate its net asset value (“NAV”), impediments to trading, the inability of shareholders to transact business, violations of applicable privacy and other laws, regulatory fines, penalties, reputational damage, reimbursement or other compensation costs, or additional compliance costs. Recent Market Events Russia’s ongoing war with Ukraine has heightened global geopolitical tensions, resulting in an elevated risk environment and increased volatility in asset prices. The uncertain course of the war may have a significant negative impact on the global economy. U.S. relations with China have become increasingly strained, and tension between the U.S. and China may have a significant negative impact on the global economy and asset prices. Measures of inflation reached levels not experienced in several decades, leading the Federal Reserve to raise short-term interest rates significantly over the last year, with the potential for further rate increases in 2023. Uncertainty regarding the ability of the Federal Reserve to successfully control inflation, the potential for incremental rate increases, and the full impact of prior rate increases on the economy and other factors, such as disruption in the banking sector, may negatively impact asset prices and increase market volatility. The possibility of a U.S. or global recession may also contribute to market volatility. The coronavirus (COVID-19) pandemic caused significant economic disruption in recent years as countries worked to limit the negative health impacts of the virus. While the virus appears to be entering an endemic stage, significant outbreaks or new variants present a continued risk to the global economy. It is possible that these or other geopolitical events could have an adverse effect on the fund’s performance. Fees & Expenses (Based on the prospectus dated May 1, 2023) Total Annual Fund Operating Expenses 0.30% After Fee Waivers and/or Expense Reimbursements Vanguard Short-Term Inflation-Protected Securities Index Fund Investment Objective The fund seeks to track the performance of a benchmark index that measures the investment return of inflati...

Cybersecurity Risk. Failures or breaches of the electronic systems of the Fund, the Fund’s adviser, distributor, the Index Provider and other service providers, market makers, Authorized Participants or the issuers of securities in which the Fund invests have the ability to cause disruptions, negatively impact the Fund’s business operations and/or potentially result in financial losses to the Fund and its shareholders. While the Fund has established business continuity plans and risk management systems seeking to address system breaches or failures, there are inherent limitations in such plans and systems. Furthermore, the Fund cannot control the cybersecurity plans and systems of the Fund’s Index Provider and other service providers, market makers, Authorized Participants or issuers of securities in which the Fund invests. Financials Sector Risk. Performance of companies in the financials sector may adversely impacted by many factors, including, among others, changes in government regulations, economic conditions, and interest rates, credit rating downgrades, and decreased liquidity in credit markets. The extent to which the Fund may invest in a company that engages in securities- related activities or banking is limited by applicable law. The impact of changes in capital requirements and recent or future regulation of any individual financial company, or of the financials sector as a whole, cannot be predicted. In recent years, cyberattacks and technology malfunctions and failures have become increasingly frequent in this sector and have caused significant losses to companies in this sector, which may negatively impact the Fund.

Cybersecurity Risk. USPL has taken effective measures to manage and supervise the internet trading system and protect the security of Account information and trading activities of Client when using USPL’s websites and mobile applications. Nevertheless, USPL hereby solemnly reminds the Client of cybersecurity risks associated with internet trading which are beyond USPL’s reasonable control, including without limitation any risks stated in Clause 16.3 above, and (a) interruption or delay of transaction instructions and data error arisen from causes like data transmission over the Internet and mobile telecommunication networks; (b) information stored in mobile phone including account and password is known to others due to the loss of mobile phones or improper safekeeping of password;

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