DISCLAIMER

This presentation is for informational and educational purposes only. Any discussion of specific investments in this presentation represents the opinion of the speaker and you should not construe this presentation or any linked or referenced material as investment, financial, legal, tax, or other advice. Further, nothing contained in thes presentation or any linked or referenced material constitutes a solicitation, recommendation, endorsement, or offer by any person or any third party soervcie provider to buy or sell any securities, insurance, annuities or other financial instruments.

This presentation is intended only to assist you in your financial planning, organization, and decision making and is broad in scope. Your personal financial situation is unique, and any information obtained through this presentation may not be appropriate for your situation. Accordingly, before making any final decision or impletnating any financial strategy or method, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

This presentation may contain forward looking statements and information. These forward looking statements are based on the beliefs of, assumptions made by, and information currently available to the speaker. When used in this presentation or any other materials, the words, "estimate", "project", "believed", "anticipate", "intend", "expect", "forecast" and similar expressions are intended to identify forward looking statements. These statements reflects the current views of the speaker with respect to future events and are subject to risks and uncertainties that could cause the actual results of the securities at issue to differ materially from those contained in any forward looking statements. Readers considering are cautioned not to place undue reliance on these forward looking statements which speak only as of the date on which they are made. The speaker does not undertake any obligation to revise or update these forward looking statements to reflect events or circumstances after such date or to reflect the occurrence of unanticipated events.

Options and stocks carry significant risk and may not be appropriate for all investors.

Past performance does not guarantee future results.

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