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There are no warranties implied.

ELC Advisors, LLC (“ELC Advisors”) is a registered investment adviser operating in TX and AZ. ELC Advisors may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. ELC Advisors’ web site and newsletter is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of ELC Advisors’ web site on the Internet and newsletter via email should not be construed by any consumer and/or prospective client as ELC Advisors solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by ELC Advisors with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of ELC Advisors, please contact the state securities regulators for those states in which ELC Advisors maintains a registration filing. A copy of ELC Advisors current written disclosure statement discussing ELC Advisors business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from ELC Advisors upon written request. ELC Advisors does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to ELC Advisors’ web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.