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Novinger Ball & Zivi, P.C.

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The information herein has been obtained from sources believed to be reliable, but NBZ does not warrant its completeness or accuracy. Prices, opinions, and estimates reflect NBZ's judgment on the date hereof and are subject to change at any time without notice. Any statements nonfactual in nature constitute current opinions, which are subject to change. Projections are not guaranteed and may vary significantly. Any investment strategies presented may not be appropriate for every investor and individual clients should review with their financial advisors the terms and conditions and risk involved with specific products or services. As with all investments, past performance does not indicate future results.

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