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                                                                                  Disclaimer

                                                                                  This document constitutes marketing material and is not the result of a financial analysis or research and therefore not subject to legal requirements regarding the independence of investment research. It is furnished for general information purposes only and does not constitute an offer or recommendation to enter into any type of financial transaction or to conclude any type of mandate with Gopher Asset.

                                                                                  This document is confidential and it is not directed to, or intended for distribution to or use by, any person or entity who is a citizen or resident of, or is located or incorporated in, any jurisdiction where such distribution, publication, availability or use would be contrary to applicable laws or regulations, or which would subject Gopher and/or its subsidiaries or affiliates to any registration or licensing requirement within such jurisdiction. This document may not be modified, distributed, reproduced or referred to (in whole or in part) without the prior, express written consent of Gopher.

                                                                                  This document reflects the opinion of Gopher as of the date of issue. The information, opinions and analysis contained herein have been based on sources believed to be reliable. However, Gopher does not guarantee their timeliness, accuracy, or completeness. All information, analysis and opinions are subject to change without notice at any time and with no obligation to update.

                                                                                  This document is not intended to provide a sufficient basis on which to make an investment decision and is not a personal recommendation or investment advice. It is intended only to provide observations and views, regardless of the date on which the reader may receive or access it. Each person is urged to determine whether any investments suit their particular circumstances and to independently assess, with professional advisors, the specific risks incurred, including without limitation at the financial, regulatory, legal, accounting and tax levels.

                                                                                  Past performance and/or financial market scenarios are no guarantee of current or future returns. Where these materials contain statements about future performance, such statements are forward looking and subject to a number of risks and uncertainties. The opinions, analysis and information herein do not take into account circumstances, objectives, or needs of any specific person.

                                                                                  Investments may be subject to risks that are difficult to quantify and to integrate into their valuation and significant fluctuations in their value or return may occur. Products with a high degree of risk, such as derivatives, structured products, or alternative/non-traditional investments (hedge funds, private equity, real estate funds, etc.) are suitable only for sophisticated investors who are capable of understanding and assuming the risks involved. Investments in foreign securities or currencies involve additional risk as the foreign security or currency might lose value against an investor’s reference currency.

                                                                                  This document is without express or implied warranties or representations of any kind and Gopher will not accept any liability whatsoever for any loss or damage resulting from the use of, or reliance on, the information, analysis or opinions contained herein.


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