1. The 4-factor dividend growth portfolio is a strategy that utilizes Schwab U.S. Dividend Equity ETF's stock selection process with some minor adjustments. 2. The portfolio has had a strong start to 2025 and is making up for lost ground in FY3. 3. Since its inception, the portfolio has achieved a CAGR of 18.85% and outperformed SCHD by 9.14%.