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DISCLAIMER: This material has been prepared by FrostGate, LLC (“FrostGate”). This material is subject to change without notice. This document is for information and illustrative purposes only. It is not, and should not be regarded as “investment advice” or as a “recommendation” regarding a course of action, including without limitation as those terms are used in any applicable law or regulation. This information is provided with the understanding that with respect to the material provided herein (I) FrostGate is not acting in a fiduciary or advisory capacity under any contract with you, or any applicable law or regulation, (ii) that you will make your own independent decision with respect to any course of action in connection herewith, as to whether such course of action is appropriate or proper based on your own judgment and your specific circumstances and objectives, (iii) that you are capable of understanding and assessing the merits of a course of action and evaluating investment risks independently, and (iv) to the extent you are acting with respect to an ERISA plan, you are deemed to represent to Frostgate that you qualify and shall be treated as an independent fiduciary for purposes of applicable regulation. FrostGate does not purport to and does not, in any fashion, provide tax, accounting, actuarial, recordkeeping, legal, broker/dealer or any related services. You should consult your advisors with respect to these areas and the material presented herein. You may not rely on the material contained herein. FrostGate shall not have any liability for any damages of any kind whatsoever relating to this material. No part of these documents may be reproduced in any manner, in whole or in part, without the written permission of FrostGate except for your internal use. This material is being provided to you at no cost and any fees paid by you to FrostGate are solely for the provision of investment management services pursuant to a written agreement. All of the foregoing statements apply regardless of (i) whether you now currently or may in the future become a client of FrostGate and (ii) the terms contained in any applicable investment management agreement or similar contract between you and FrostGate

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