Disclosures

The material contained herein is not a product of any research department of Winans Investments.  Nothing herein constitutes a recommendation of any security or regarding any issuer, nor is it intended to provide enough information to make an investment decision.  The information provided is herein not intended to be and should not be construed as a recommendation or “advice” within the meaning of Section 15B of the Securities Exchange Act of 1934.

The information contained in this communication has been complied by Winans Investments from sources believed to be reliable, but no representation or warranty, express or implied, is made by Winans Investments as to its accuracy, completeness or correctness.  All opinions and estimates contained in this communication constitute Winans Investments judgement as of the date of this communication, are subject to change without notice and are provided in good faith but without legal responsibility. Past performance is not a guide to future performance, future returns are not guaranteed, and a loss of original capital may occur.

Nothing in this communication constitutes legal, accounting, or tax advice or individually tailored investment advice.  This material is prepared for general circulation to clients and may have been prepared without regard to the individual financial circumstances and objectives of persons who receive it.  The investments or services contained in this communication may not be suitable for you and it is recommended that you consult an independent investment advisor if you are in doubt about the suitability of such investments or services.

To the fullest extent permitted by law neither Winans Investments, nor any other person, accepts any liability whatsoever for any direct or consequential loss arising from any use of this communication or the information contained herein.  No matter contained in this document may be reproduced or copied by any means without prior consent of Winans Investments.

While the selected text is considered accurate, Ken Winans and Winans Investments does not guarantee these quotes relates to all topics & opinions covered in these articles. Copies of the entire articles & client letters mentioned above are available upon requests. These selections represent a small sample of all research and third party interviews done by Kenneth G. Winans and/or Winans Investments since 1991. Other research reports or third party interviews might offer different opinions than represented in the selected articles.

Additional information is available upon request at WinansInvestments.com.

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Winans Investments is an investment adviser in Novato, CA. Winans Investments is registered with the Securities and Exchange Commission (SEC). Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Winans Investments only transacts business in states in which it is properly registered or is excluded or exempted from registration. A copy of Winans Investments current written disclosure brochure filed with the SEC which discusses among other things, Winans Investments business practices, services and fees, is available through the SEC's website at: www.adviserinfo.sec.gov.

PAST PERFORMANCE IS NOT AN INDICATION OF FUTURE RESULTS

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