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(1) This document, website and information contained herein are the property of Investment Risk Management Systems Inc. (IRMS), and are protected by copyright and intellectual property laws. All rights reserved. This document, website, its contents, or information are only for the purposes of performance analysis, and are neither intended to be, nor are advice of your past, current or future financial decisions, actions or inactions. You are at your own risk in using this information to draw any conclusions or arrive at any decisions, actions or inactions, financial or otherwise. You may not reproduce, retransmit, disseminate, sell, publish or broadcast this information; nor shall you use this information in connection with creating, promoting, trading, marketing products without the express written consent of IRMS. You are entitled to use the contents for your private, non-commercial use only. IRMS makes no warranties of any kind, whether explicit or implied, about the meaning, usefulness, applicability, completeness, correctness or accuracy of the contents of this document and website. No content, concepts, data, results, information, suggestions, graphs, tables or observations in this document or website are intended for financial or other advice, trading, investing or other financial actions, inactions, or dealing with any financial instruments; they shall not be construed to be advice, direction or suggestions for any financial or non-financial thinking, inactions or actions undertaken by the reader. IRMS or its management or employees are not registered financial advisors, nor planners, are not registered with the SEC or any governing agency, and do not hold licenses for any investment advice, trading, brokerage or planning. IRMS or its management or employees shall not be liable for any punitive, incidental, special, consequential, indirect or exemplary damages, including but not limited to damages for loss of profits, goodwill, other tangible or intangible losses, mental or physical pain or suffering caused by the use of the contents, or reliance on the contents of this document or website in any manner. The reader agrees to indemnify and hold IRMS, its management and employees harmless from any claim or demand, including attorneys' fees or other costs.

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