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These newsletter 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.

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