Spotlight: Integrating ESG EXHIBIT 3 ...And the After Although not every fund is a perfect substitute, we were able to build an effective ESG-aware portfolio to replace the standard non-ESG portfolio. Portfolio Funds Amana Growth AMAGX Parnassus Core Equity PRBLX Calvert US Large Cap Value Responsible Index CFJIX Parnassus Mid-Cap PARMX Wasatch Core Growth WGROX LSV Small Cap Value LSVQX Calvert International Responsible Index CDHIX IShares ESG Aware MSCI EM ETF ESGE IShares Global REIT ETF REET TIAA-CREF Core Impact Bond TSBIX DFA Inflation-Protected Securities DIPSX Vanguard Treasury Money Market VUSXX Total Source: Morningstar Direct. Data as of 06/03/2021. Weight (%) Index Fund Morningstar Rating Overall Morningstar Category 5.00 No QQQQ 9.00 Yes QQQQ Morningstar Analyst Rating Morningstar Quantitative Rating Large Growth ´ - 10.50 No QQQQ 1.50 No Q 17.00 7.00 2.00 7.00 No QQQQQ Large Blend „ - Large Value ´ - Mid-Cap Blend „ - 1.00 No QQQQQ Small Growth Œ - Small Value Œ - Foreign Large Blend ´ - Diversified Emerging Markets ´ - Yes QQQQ Yes QQQQ Yes QQ Real Estate - 33.00 No QQQQQ Intermediate Core Bond ´ - 4.00 No QQQQQ Inflation-Protected Bond 3.00 No - - Money Market-Taxable - - Prospectus Adjusted Expense Ratio (%) 0.99 0.84 0.24 0.98 1.19 0.83 0.29 0.25 0.14 0.36 0.11 0.09 0.45 EXHIBIT 4 Sustainability Profile of the ESG-Aware Portfolio Despite some limitations in a few asset classes, our hypothetical client has a much more sustainable portfolio. Portfolio Funds Amana Growth AMAGX Parnassus Core Equity PRBLX Calvert US Large Cap Value Responsible Index CFJIX Parnassus Mid-Cap PARMX Wasatch Core Growth WGROX LSV Small Cap Value LSVQX Calvert International Responsible Index CDHIX IShares ESG Aware MSCI EM ETF ESGE IShares Global REIT ETF REET TIAA-CREF Core Impact Bond TSBIX DFA Inflation-Protected Securities DIPSX Vanguard Treasury Money Market VUSXX Source: Morningstar Direct. Data as of 06/03/2021. 34 Morningstar Q3 2021 Weight (%) Sustainable Investment- Overall 5.00 Yes 7.00 Yes 9.00 Yes 10.50 Yes 1.00 No 1.50 No 17.00 Yes 7.00 Yes 2.00 No 33.00 Yes 4.00 No 3.00 No Morningstar Sustainability Rating Morningstar ESG Commitment Level Strategy Assessment ;;;;; - ;;;;; Leader Basic ;;; ;;;;; Leader ;;;; ;;; Employs Exclusions Low Carbon Designation Controversial Weapons Yes Yes Yes Yes ;;;;; - - No - - No Yes Yes No Yes No ;;;; - No - Leader - - - - No - - - No Small Arms ;;;; Basic Basic Yes Yes Yes Yes No No Yes Yes No Yes No No Thermal Coal Yes Yes No Yes Tobacco Yes Yes Yes Yes No No No No No Yes No No Yes No No No No Yes Yes Yes