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Important Disclaimer

The GM Financial Group, LLC (“The GM Group”) is an investment adviser registered with the state of New Jersey, such registration does not imply a certain level of skill or training on the part of the firm or its associated personnel. Additional information about the firm is available on the SEC’s website at www.adviserinfo.sec.gov.

The GM Group and its representatives are in compliance with the current registration requirements of those states in which The GM Group maintains clients. The GM Group may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. The GM Group’s website is limited to the dissemination of general information pertaining to its investment advisory services. Accordingly, the publication of The GM Group website on the internet should not be construed by any consumer and/or prospective client as The GM Group’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet. Any subsequent, direct communication by The GM Group with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of The GM Group’s current written disclosure statement discussing The GM Group’s business operations, services, and fees is available from The GM Group upon request.

The GM Group does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to The GM Group’s website or incorporated herein, and takes no responsibility thereof. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by The GM Group) or product made reference to directly or indirectly by The GM Group in its website, or indirectly via a link to an unaffiliated third party website, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of The GM Group’s website (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, The GM Group’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendations(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from The GM Group or from any other investment professional. The GM Group is neither an attorney nor accountant, and no portion of the website content should be interpreted as legal, accounting or tax advice.

Correspondingly, each client and prospective client agrees, as a condition precedent to his/her/its access to The GM Group’s website, to release and hold harmless The GM Group’s, its officers, directors, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from The GM Group.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to The GM Group’s website, the client and/or prospective client is advised that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from The GM Group, or from any other investment professional.