Disclosures
Brokerage and investment advisory products and services, are offered through Aegis Capital Corp, a member of FINRA and SIPC. Insurance products are made available through, ACC General Agency, a licensed insurance agency. For those persons inquiring from states where a specific associate is not currently securities and/or insurance licensed, the associate will not transact business in that state or provide follow-up individual responses, until after the associate obtains the appropriate registration in the applicable state.
The information provided should not be relied upon in isolation for the purpose of making an investment decision. You must also consider the objectives, risks, charges, and expenses associated with an investment service, product or strategy prior to making an investment decision. Prior to making any investment or financial decision, an investor should seek advice from a financial, legal, tax and other professional that consider all of the particular facts and circumstances of an investor's situation. The opinions expressed and material provided are for information purposes only and is not an offer, recommendation, or solicitation of any product, strategy or transaction. Any views, strategies or products discussed may not be appropriate or suitable for all individuals and are subject to risks.
Investment and insurance products offered are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.
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Form CRS and General Disclosures
Non-Diversification Risk – Having a high percentage of assets in a limited number of securities will make investment fluctuate more than having them well diversified. Having said this, diversification is not a guarantee of improved investment performance.
Depositary Receipt Risk (American Depository Receipts, European Depository Receipts, Global Depository Receipts) – Receipts issued by banks or trust company that evidence ownership of underlying securities issued by a foreign corporation. Depositary Receipts will not necessarily be denominated in the same currency as their underlying securities.
The material enclosed was prepared and based on information gathered mostly from you. Even though we believe in our clear understanding of the information you provided and the reliability and good faith of our sources, we cannot guarantee to its accuracy or completeness.
Credit Risk – Investment may become illiquid or decrease in value if guarantor of a debt security goes bankrupt or unable to make interest payments or repay principal, or if debt credit rating changes negatively affecting your capital invested and subsequently its applicable interest or yields.
US Government Securities Risk – A security backed by the US Treasury or the full faith and credit of the United States is guaranteed only as the timely payment of interest and principal when held to maturity.
The market prices for such securities are not guaranteed and will fluctuate.
All information and opinion as well as any prices and percentages indicated are current only as of the date indicated and obviously subject to change. In addition, past performance indicated or discussed is never a guarantee or a prediction of future performance as conditions and variables most likely will not be the same and replication should not be expected.
Debt Instrument Risks – Debt instruments may have varying levels of sensitivity to changes in interest rates, credit risk and other factors. Generally the value of debt instruments falls when interest rates rise. Debt instruments with longer maturities may fluctuate more in response to interest rate changes than instruments with shorter maturities. Many types of debt instruments are subject to prepayment risks, which is the risk that the issuer of the security will repay principal prior to the maturity date. Debt instruments allowing prepayment may offer less potential for gains during a period of declining interest rates. IN addition, changes in the credit quality of the issuer of a debt instrument can also affect the price of a debt instrument, as can an issuer’s default on its payment obligations. Such factors may cause the value of investment to decrease.
If you receive Term Sheets of Offshore Investment: The [Securities] have not been registered under the United States Securities Act of 1933, as amended (the “Securities Act”), the securities laws of any state, or the securities laws of any other jurisdiction, nor is such registration contemplated. We will offer and sell the [Securities] exclusively to non-U.S. persons in offshore transactions made pursuant to Regulation S under the Securities Act. For this purpose, “U.S. person” means a U.S. person as defined in Rule 902(k) of Regulation S under the Securities Act. All Investors that receive this document by their acceptance thereof represent and warrant that (i) they are not a U.S. Person as defined in Rule 902(k) of Regulation S under the Securities Act and (ii) all offers to sell and offers to buy the [Securities] were made to or by the Investor while the Investor was outside the jurisdictional boundaries of the United States and, at the time the Investor’s order to buy the [Securities] was originated, the Investor was outside the jurisdictional boundaries of United States. We are presenting a brief overview of common risks inherent to investing, which not all of them will be applicable to your suitability profile and portfolio, but please contact your advisor if in doubt or if additional information is or may appear necessary:
Forward-Looking statements: These statements may be identified by words such as “expect,” “should,” “could,” “shall,” and similar expressions. We caution that such forward-looking statements are qualified by certain risks and uncertainties that could cause actual results and events to differ materially from what is contemplated by the forward-looking statements. We disclaim any intention or obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise.
Emerging Markets Risk – Risk of investing in emerging markets include political or social upheaval, nationalization of businesses, restriction on foreign ownership and prohibitions on the repatriation of assets.
There may also be risks from an economy’s dependence on revenues from particular commodities or industries. In addition, currency transfer restrictions, limited potential buyers for such instruments, delay and disruption in settlement procedures and illiquidity or low volumes of transactions may make exits difficult or impossible at times.
WE DO NOT OFFER OR SELL SECURITIES TO U.S. PERSONS UNLESS EITHER (A) THOSE SECURITIES ARE REGISTERED FOR SALE WITH THE U.S. SECURITIES AND EXCHANGE COMMISSION AND WITH ALL APPROPRIATE U.S. STATE AUTHORITIES; OR (B) THE SECURITIES OR THE SPECIFIC TRANSACTION QUALIFY FOR AN EXEMPTION UNDER THE U.S. FEDERAL AND STATE SECURITIES LAWS NOR DO WE OFFER OR SELL SECURITIES TO U.S. PERSONS UNLESS (i) WE, OUR AFFILIATED COMPANY AND THE APPROPRIATE PERSONNEL ARE PROPERLY REGISTERED OR LICENSED TO CONDUCT BUSINESS; OR (ii) WE, OUR AFFILIATED COMPANY AND THE APPROPRIATE PERSONNEL QUALIFY FOR EXEMPTIONS UNDER APPLICABLE U.S. FEDERAL AND STATE LAWS.
Hedge Funds: Hedge funds are speculative investments and are not suitable for all investors, nor do they represent a complete investment program. Hedge funds are not subject to the same regulatory requirements as mutual funds. An investment in a hedge fund involves the risk inherent in an investment in securities, as well as specific risks associated with limited liquidity, the use of leverage, short sales, options, futures, derivative instruments,” junk” bonds and illiquid investments. There can be no assurances that a manager’s strategy,