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Disclosure

The material presented in these reports is provided for information purposes only and is not to be used or considered as a recommendation to buy, hold or sell any securities or other financial instruments. Information contained herein has been compiled and prepared from various public and industry sources that I believe to be reliable; however, no representation or warranty is expressed or implied as to the accuracy or completeness of the information. Such information is provided with the expectation that it will be read as part of a broader analysis and should not be relied upon on a stand-alone basis. Past performance should not be taken as an indication or guarantee of future performance, and I make no representation or warranty regarding future performance. The opinions expressed in this report reflect my judgment as of the date of this report and are subject to change without notice. These reports are not an offer to sell or a solicitation of an offer to buy any securities. The offer and sale of securities are regulated generally in various jurisdictions, particularly the manner in which securities may be offered and sold to residents of a particular country or jurisdiction. Securities discussed in these reports may not be eligible for sale in some jurisdictions. To the full extent provided by law neither myself nor any other person accepts any liability whatsoever for any direct or consequential loss arising from any use of this report or the information contained herein. I am not on the Board of Directors of a covered company. I do not invest in the securities of the company that is the subject of these reports unless otherwise indicated. I have not been compensated by the company that is the subject of these reports.