of Return: .10.91% —HBIF —S&P 500 8400 am.% Jun 09 Jun-11) 4'1,01 don.12 Jun-13 Jun.14 Jun•15 Jun.16 And 7 Annualized Rate of Return: +8.65% (as Masan 2018) See 'General Discloswee in the Appendix for additional important information. 'Returns and Portfolio Characteristics are net of applicable expense