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These course express the author’s opinion on the date indicated and those opinions are subject to change without notice. Factual Manhattan L.L.C. is under no obligation to update the information contained herein. In addition, Factual Manhattan L.L.C. does not represent, and it should not be assumed, that the performance of past investments is an indication of future results. In addition, wherever there is potential for profit, there is also the possibility of loss.

This course is being made available for educational and informational purposes only and should not be used for other purposes. The information contained herein does not constitute and should not be construed as an offer of advisory services or an offer to sell or a solicitation to buy securities or related financial instruments in any jurisdiction. Certain information contained herein about economic trends and performance is based on or derived from information provided by independent third party sources. Factual Manhattan L.L.C. believes that the sources from which this information was obtained are reliable; however, it cannot guarantee the accuracy of such information and has not independently verified the accuracy or completeness of such information or the assumptions on which that information is based.

These contents reflect the mere opinion of the author. Past returns are no guarantee of future returns. Investments can involve risks.

This course, including the information contained herein, may not be copied, reproduced, republished or published in whole or in part, in any way, without the prior written consent of Factual Manhattan L.L.C.

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