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DISCLOSURES: Pring Turner Capital Group (“Advisor”) is an investment adviser registered with the U.S. Securities and Exchange Commission. The views expressed herein represent the opinions of Advisor, are provided for informational purposes only and are not intended as investment advice or to predict or depict the performance of any investment. These views are presented as of the date hereof and are subject to change based on subsequent developments. In addition, this document contains certain forward-looking statements which involve risks and uncertainties. Actual results and conditions may differ from the opinions expressed herein. Statements regarding portfolio positioning are intended to reflect our general investment philosophy and not the performance or composition of any individual client account. Individual client performance will vary based on their own risk objectives; please see your individual statement for your specific return calculations and performance. Forward-looking commentary, including references to the economy, interest rates, or portfolio outcomes, is based on information believed to be reliable at the time of writing but cannot be guaranteed. All external data, including the information used to develop the opinions herein, was gathered from sources we consider reliable and believe to be accurate; however, no independent verification has been made and accuracy is not guaranteed. Neither Advisor, nor any person connected with it, accepts any liability arising from the use of this information. Recipients of the information contained herein should exercise due care and caution prior to making any decision or acting or omitting to act on the basis of the information contained herein. Past Performance is no guarantee of future results. ©2026 Pring Turner Capital Group. All rights reserved.