This is not an offer or solicitation to sell or buy instruments or other securities. It contains only generalized information. This program is private and by invitation only. We mutually agree that this private placement transaction is exempt from the Securities Act and is not intended for the general public and all materials are for our “PRIVATE USE ONLY”. Intermediaries are NOT Advisors of any kind. All predictions, assumptions, programs, results and interest rates are subject to change without notice.