IMPORTANT DISCLOSURES:

For Primerica financial professional use only. Not intended for use by the general public.

In providing products/services referenced herein, neither BNY Mellon Advisors, Inc. (BNY Advisors) nor its affiliates are assuming responsibility for the advisory firm’s regulatory compliance or providing advice or recommendations directly to the firm’s investors. The advisory firm is responsible for independently evaluating the risks, features and limitations of these products/services and determining whether or not to implement any practices suggested as a result thereof.

Statements of future expectations, estimates, projections, and other forward-looking statements are based on available information and management’s view as of the time of these statements. Accordingly, such statements are inherently speculative as they are based on assumptions, which may involve known and unknown risks and uncertainties. Actual results, performance or events may differ materially from those expressed or implied in such statements.

The information provided is for illustrative/educational purposes only and should not be construed as investment advice or a recommendation of any particular investment product, strategy, investment manager or account arrangement, and should not serve as a primary basis for investment decisions. All investment strategies referenced herein come with investment risks, including loss of value and/or loss of anticipated income. Past performance does not guarantee future results. No investment strategy or risk management technique can guarantee returns in any market environment.

Effort has been made to ensure that the material and information presented herein is accurate at the time of publication; however, it is subject to change without notice. This material is not intended to constitute legal, tax, investment or financial advice or to be a full and exhaustive explanation of the law in any area or of all of the tax, investment or financial options available. Prospective investors should consult a legal, tax or financial professional in order to determine whether any investment product, strategy or service is appropriate for their particular circumstances.

This material may not be distributed or used for the purpose of providing any referenced products or services or making any offers or solicitations in any jurisdiction or in any circumstances in which such products, services, offers or solicitations are unlawful or not authorized, or where they would be, by virtue of such distribution, new or additional registration requirements. This material does not constitute a guarantee of any kind by the Bank of New York Mellon or any of its affiliates.

BNY Advisors may refer clients to certain of its affiliates offering expertise, products and services which may be of interest to the client. Use of an affiliate after such a referral remains the sole decision of the client.

Investors should carefully consider the investment objectives, risks, charges, fees and expenses of any mutual fund or exchange-traded fund (ETF) before investing. This and other important information can be found in the fund prospectus and, if available, the summary prospectus, which may be obtained through your financial advisor, by calling the fund or visiting the respective fund company’s website, or by visiting the SEC’s EDGAR website at https://www.sec.gov/edgar/search/#. Please read the prospectus and, if available, the summary prospectus carefully.

BNY Advisors is the discretionary manager for BNY Mellon Target Risk Portfolios and, in that capacity, may change the asset style and/or the investment vehicle allocation within these portfolios at its discretion.

BNY Target Risk Portfolios include mutual funds and ETFs that are advised or sub-advised by an investment advisory affiliate of BNY Advisors (Proprietary Funds). The inclusion of Proprietary Funds in BNY Target Risk Portfolios creates a conflict of interest for BNY Advisors, as our investment advisory affiliates receive compensation when Proprietary Funds are included in a BNY Target Risk Portfolios model. BNY Advisors addresses this conflict through a combination of disclosure to investors and by waiving its advisory and sponsor fees, as applicable, for assets held in the BNY Target Risk Portfolios.

Tax considerations, while important, are just one factor to consider before making any investment decision. BNY Advisors is not a tax advisor and this communication does not constitute tax advice. Clients should consult with a qualified tax professional for specific tax advice.

BNY Mellon Advisors, Inc. is an investment adviser registered in the United States under the Investment Advisers Act of 1940 and a subsidiary of The Bank of New York Mellon Corporation (BNY). BNY Advisors is the brand name under which BNY Mellon Advisors, Inc. conducts its investment advisory business. Pershing LLC, member FINRA, NYSE, SIPC, is a subsidiary of BNY. Pershing does not provide investment advice. Investment advisory services, if offered, may be provided by one or more affiliates of BNY. Technology services may be provided by Pershing X, Inc. Trademark(s) belong to their respective owners. BNY is the corporate brand of The Bank of New York Mellon Corporation and may be used to reference the corporation as a whole and/or its various subsidiaries generally.

BNY Advisors’ business is described in its Form CRS and Form ADV, Part 1 and Part 2 Brochures, which can be obtained from the SEC's Investment Adviser Public Disclosure website at: https://adviserinfo.sec.gov/firm/summary/106108 or upon request.

©2026 The Bank of New York Mellon Corporation. All rights reserved.

Not FDIC-Insured. Not Bank-Guaranteed. May Lose Value.

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