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*Eligible Referred Friends may also receive User Incentives. To qualify for User Incentives, a Referred Friend must sign up for the Dashboard through the individualized referral link provided in the Referring User’s Dashboard. The Referred Friend must link at least one valid investment account (e.g., brokerage, 401k or IRA) containing a balance of more than $1,000 U.S. Dollars within 30 days of registering for the Dashboard. Referred Friends must agree to Empower’s Terms of Use and the terms and conditions of the Referral Program as described in this Section. Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts.

("Site") has entered into an advertising campaign with Empower Personal Wealth, LLC (“EPW”), through which Site is paid up to $250 for each individual lead. The “Company”, due to such compensation, has an incentive to recommend EPW, resulting in a material conflict of interest. Individuals who are referred to EPW are not obligated to subscribe for investment advisory services provided by Personal Capital Advisors Corporation (“PCAC”) or Empower Advisory Group, LLC (“EAG”). Those individuals who do subscribe for PCAC or EAG’s investment advisory services will not pay increased management fees or any other fees to Site, EPW, PCAC, or EAG as a result of this campaign. Site financially benefits from referring individuals to EPW. Site is not affiliated with EPW, PCAC, or EAG.

Advisory services are provided for a fee by either PCAC or EAG depending on your specific investment advisory services agreement. Both PCAC and EAG are registered investment advisers with the Securities and Exchange Commission (“SEC”) and subsidiaries of Empower Annuity Insurance Company of America. Registration does not imply a certain level of skill or training. Investing involves risk. Past performance is not indicative of future returns. You may lose money. “EMPOWER” and all associated logos, and product names are trademarks of Empower Annuity Insurance Company of America. All other trademarks, trade names, or service marks used or mentioned belong to their respective owners.

1 As of September 30, 2022. Information refers to all retirement business of Empower Annuity Insurance Company of America (EAIC) and its subsidiaries, including Empower Retirement, LLC; Empower Life & Annuity Insurance Company of New York (ELAINY); and Empower Annuity Insurance Company (EIC) marketed under the Empower brand. EAIC’s consolidated total assets under administration (AUA) were $1,240.5B. AUA is a non-GAAP measure and does not reflect the financial stability or strength of a company. EAIC’s statutory assets total $76.1B and liabilities total $73.0B. ELAINY’s statutory assets total $7.0B and liabilities total $6.7B. EIC’s statutory assets total $80.7B and liabilities total $79.6B. On August 1, 2022, Empower announced that it is changing the names of various companies within its corporate group to align the names with the Empower brand. For more information regarding the name changes, please visit http://www.empower.com/name-change

Advisory services are provided for a fee by either Personal Capital Advisors Corporation ("PCAC") or Empower Advisory Group, LLC (“EAG”) depending on your specific investment advisory services agreement. Both PCAC and EAG are registered investment advisers with the Securities and Exchange Commission (“SEC”) and subsidiaries of Empower Annuity Insurance Company of America. Registration does not imply a certain level of skill or training. Investing involves risk. Past performance is not indicative of future returns. You may lose money. All visuals are illustrative only. Actors are not PCAC or EAG clients.

“EMPOWER” and all associated logos, and product names are trademarks of Empower Annuity Insurance Company of America. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. ©2023 Empower Annuity Insurance Company of America. All rights reserved.

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