| Ancona
Financial Advisors ("AFA") is a State of New Jersey registered
Investment Adviser principally located in Scotch Plains, New Jersey.
AFA and its representatives are in compliance with the current filing
requirements imposed upon State of New Jersey registered investment
advisers. AFA will transact business in New Jersey or in other states
in which it is registered, or qualifies for an exemption or exclusion
from registration requirements. AFA's web site is limited to the dissemination
of general information pertaining to its diversified services. Accordingly,
the publication of AFA's web site on the Internet should not be construed
by any consumer and/or prospective client as AFA's solicitation to
effect, or attempt to effect transactions in securities, or the rendering
of personalized investment advice for compensation, over the Internet.
Any subsequent, direct communication by AFA with a prospective client
shall be conducted by a representative that is either registered or
qualifies for an exemption or exclusion from registration in the state
where the prospective client resides. For information pertaining to
the registration status of AFA, please contact the state securities
law administrator. A copy of AFA's current written disclosure statement
discussing AFA's business operations, services, and fees is available
from AFA upon written request. AFA does not make any representations
or warranties as to the accuracy, timeliness, suitability, completeness,
or relevance of any information prepared by any unaffiliated third
party, whether linked to AFA's web site or incorporated herein, and
takes no responsibility therefor. All such information is provided
solely for convenience purposes only and all users thereof should
be guided accordingly.
Past performance may not be indicative of future results. Therefore,
no current or prospective client should assume that future performance
of any specific investment, investment strategy (including the investments
and/or investment strategies recommended by AFA) or product made
reference to directly or indirectly by AFA in its web site, or indirectly
via a link to an unaffiliated third party web site, will be profitable
or equal the corresponding indicated performance level(s). Different
types of investments involve varying degrees of risk, and there
can be no assurance that any specific investment will either be
suitable or profitable for a client or prospective client's investment
portfolio. Historical performance results for investment indices
and/or categories generally do not reflect the deduction of transaction
and/or custodial charges, the deduction of an investment management
fee, nor the impact of taxes, the incurrence of which would have
the effect of decreasing historical performance results.
Certain portions of AFA's web site (i.e. newsletters, articles,
commentaries, etc.) may contain a discussion of, and/or provide
access to, AFA's (and those of other investment and non-investment
professionals) positions and/or recommendations as of a specific
prior date. Due to various factors, including changing market conditions,
such discussion may no longer be reflective of current position(s)
and/or recommendation(s). Moreover, no client or prospective client
should assume that any such discussion serves as the receipt of,
or a substitute for, personalized advice from AFA or from any other
investment professional. Correspondingly, each client and prospective
client agrees, as a condition precedent to his/her/its access to
AFA's web site, to release and hold harmless AFA, its officers,
directors, employees and agents from any and all adverse consequences
resulting from any of his/her/its actions and/or omissions which
are independent of his/her/its receipt of personalized individual
advice from AFA.
To the extent that any client or prospective client utilizes any
information contained within or linked to AFA's web site, the client
and/or prospective client is advised that the information resulting
from the use is not, and should not be construed, in any manner
whatsoever as the receipt of, or a substitute for, personalized
individual advice from AFA, or from any other investment professional.
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