NO OFFER: This material contains information only. Nothing received from our Institution now and in the future should be construed as an offer solicitation or recommendation to buy or sell any investment or to engage in any other transaction. We do not run or operate the programs mentioned in this document.  This information and any received from our Institution in the future does not constitute an offer, solicitation or recommendation to buy or to sell any securities for investment, nor an offer, solicitation or recommendation of any other kind. The information is given solely for educational - and informational purposes, requested by you (the party to whom the information is transmitted), exclusively for the personal use of the recipient.     NO WARRANTY: All information and opinion contained on this form is provided without any warranty of any kind, either express or implied, to the fullest extent permissible pursuant to applicable law. All information and opinion is provided to assist prospective investors in making their own decisions without any guarantees as to accuracy, reliability or completeness. The information provided now and received from our Institution in the future does not contain investment-, legal-, accounting-, tax- or other advice or opinion and should not be relied upon for any specific investment or other purposes. A competent professional should always be consulted before utilizing any information existing now and received from our Institution in the future. You must keep the information strictly confidential and you are not allowed to make the information available to others without written consent from Our Institution. We are NOT nor claim to be a Licensed United States Securities Dealer, Broker or U.S. Investment Adviser.