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This report is not directed to, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would subject BWS Financial or its subsidiaries or affiliates (collectively “BWSF”) to any registration or licensing requirement within such jurisdiction. All material presented in this report, unless specifically indicated otherwise, is under copyright to BWSF. None of the material, nor its content, nor any copy of it, may be altered in any way, transmitted to, copied or distributed to any other party, without the prior express written permission of BWSF. The information and material presented in this report are provided to you for information purposes only and are not to be used or considered as an offer or the solicitation of an offer to sell or to buy securities. BWSF may not have taken any steps to ensure that the securities referred to in this report are suitable for any particular investor. BWSF will not treat recipients as its customers by virtue of their receiving the report. The investments or services contained or referred to in this report may not be suitable for you and it is recommended that you consult an independent investment advisor if you are in doubt about such investments or investment services. Nothing in this report constitutes investment, legal, accounting or tax advice or a representation that any investment or strategy is suitable or appropriate to your individual circumstances or otherwise constitutes a personal recommendation to you. BWSF does not offer advice on the tax consequences of investment and you are advised to contact an independent tax adviser. Information and opinions presented in the other sections of the report were obtained or derived from sources BWSF believes are reliable, but BWSF makes no representations as to their accuracy or completeness. Additional information is available upon request. BWSF accepts no liability for loss arising from the use of the material presented in this report. BWSF may at some times own shares of the mentioned companies. Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, express or implied, is made regarding future performance. Information, opinions and estimates contained in this report reflect a judgment at its original date of publication by BWSF and are subject to change without notice. Some investments discussed in this report have a high level of volatility.