DISCLAIMER

Investments or strategies mentioned in this workshop, including any handouts, may not be suitable for you. We are not licensed insurance specialists, certified accountants or attorneys. This material does not take into account your particular investment objectives, tax status, financial situation, or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investment or strategies mentioned in this workshop, including any of the handouts. Before acting on information in this workshop, you should consider whether it is suitable for your particular circumstances and seek advice from your own financial adviser, insurance specialist, CPA or attorney. Investors should be aware of potential risks including losses beyond 100% of capital invested.