All statements contained herein, statements made in press releases or in any place accessible to the public and oral statements that may be made by the Issuer, any Distributors or any affiliates, may constitute

forward-looking statements (including statements regarding current intentions, beliefs or expectations with respect to market conditions, business strategy and plans, financial condition, specific provisions and risk management practices). You are cautioned not to place undue reliance on these forward-looking statements as such statements involve both known and unknown risks, uncertainties and other factors, the realization of which could cause results to be materially different from those described by such forward-looking statements, and none an independent third party has examined the reasonableness of such statements or assumptions. The Company and any distributors expressly disclaim any responsibility (express or implied) to issue any revisions.