Disclaimer

Although the material contained in this report was prepared based on information that Credmark believes to be reliable, no representation, warranty or undertaking, stated or implied, is given as to the accuracy of the information contained herein, and Credmark expressly disclaims any liability for the accuracy and completeness of information contained in this analytics report. This report is distributed for general informational and educational purposes only and is not intended to constitute legal, tax, accounting or investment advice.

The information, opinions and views contained herein have not been tailored to the investment objectives of any one individual, are current only as of the date hereof and may be subject to change at any time without prior notice. Credmark does not have any obligation to provide revised opinions in the event of changed circumstances. All investment strategies and investments involve risk of loss. Nothing contained in this report should be construed as investment advice. Any reference to an investment’s past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit.