IMPORTANT DISCLAIMER

THIS PRESENTATION IS INTENDED FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE THE PROMOTION OF ANY FINANCIAL PRODUCT NOR INVESTMENT ADVICE OR A RECOMMENDATION TO TRADE OR INVEST IN ANY STOCK OR SECURITY. BEFORE MAKING ANY INVESTMENT DECISION, THE PARTICIPANT SHOULD CONSIDER THE APPROPRIATENESS OF THE INFORMATION HAVING REGARD TO HIS/HER OWN OBJECTIVES, FINANCIAL SITUATION, NEEDS AND SEEK APPROPRIATE INDEPENDENT PROFESSIONAL ADVICE.