Nothing in this presentation should be taken as individual investment
advice.

Anyone seeking investment advice for his or her personal
financial situation is advised to seek out a qualified advisor or advisors
and provide as much information as possible to the advisor in order that
such advisor can take into account all relevant circumstances, objectives,
and risks before rendering an opinion as to the appropriate investment
strategy.

The successful application of any portfolio strategy requires sound
business practices, including thorough due diligence, the application of
good business and investment judgment as well as attention to ongoing
performance, diversification, and risk management and the patience to
work through and learn from investments that are not successful.

This presentation provides no assurances or guarantees whatsoever
regarding data and content. Such data and content is believed to be
reliable. However, we do not guarantee their accuracy. Calculation errors
may occur on this site and your use of this site reflects your acceptance
of responsibility for such errors—whether from software or otherwise.