Disclaimer

IMPORTANT DISCLOSURE INFORMATION

Kubhera Enterprises, LIC ("Kubhera") is a New Jersey state registered investment adviser located in Princeton, New Jersey. Kubhera may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Kubhera's web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Kubhera's web site on the Internet should not be construed by any consumer and/or prospective client as Kubhera'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 Kubhera 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 Kubhera, please contact the state securities regulators for those states in which Kubhera maintains a registration filing. A copy of Kubhera's current written disclosure statement discussing Kubhera's business operations, services, and fees is available from Kubhera upon written request. Kubhera 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 Kubhera's web site or incorporated herein, and takes no responsibility therefore. 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 or investment strategy (including the investments and/or investment strategies recommended or undertaken by Kubhera) made reference to directly or indirectly by Kubhera 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