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LOCAL LAWS AND REGULATIONS

This Site is not directed at any person in any jurisdiction where for any reason the publication or availability of this Site is prohibited. Those in respect of whom such prohibitions apply must not access this Site. Clay Raquel Marketing Incorporated does not represent that (i) any of the materials at this Site; (ii) any investment services that may be deemed to be available on this Site; or (iii) anything else on this Site, are appropriate for use or permitted by local laws in all jurisdictions. Those who access this Site do so at their own initiative, and are responsible for compliance with applicable local laws or regulations; legal advice should be sought in cases of doubt. Those who access this Site may not necessarily be able to deal directly with all or any Clay Raquel Marketing Incorporated entities. None of the materials or investment services at or referred to at this Site are available to persons resident in any jurisdiction where this would be contrary to local law or regulation.

INFORMATION PURPOSES ONLY
All information and opinions expressed herein are current as of publication and are subject to change without notice.

NO RELIANCE
While Clay Raquel Marketing Incorporated has endeavoured to ensure the accuracy of the information at this Site, Clay Raquel Marketing Incorporated does not guarantee or give any warranty as to the accuracy, timeliness or completeness of any information or material at this Site.

NO WARRANTY
The materials at this Site are provided "as is" without warranty of any kind, either express or implied, to the fullest extent permissible pursuant to applicable law, including but not limited to implied warranties of merchantability, satisfactory quality or fitness for a particular purpose. Clay Raquel Marketing Incorporated further accepts no responsibility or liability for, and makes no warranties that, functions contained at this Site will not be interrupted or error-free or that defects will be corrected. Please note that some jurisdictions do not allow the exclusions of implied warranties, so some or all of the above exclusions may not apply to you. In no event will Clay Raquel Marketing Incorporated be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if Clay Raquel Marketing Incorporated has been advised of the possibility thereof. Applicable law may not allow the limitation or exclusion of liability for consequential or incidental damages, so the limitation or exclusion may not apply to you.

COPYRIGHT
You may not copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to create derivative works from, create derivative works from, transmit, or in any way exploit any part of the Site. Additionally, you may not offer any part of the contents of the Site for sale or distribute such part over any medium, including, but not limited to, distribution by television or radio broadcast, or distribution on a computer network. You may not make any part of the Site available as part of another site, whether by hyperlink framing on the Internet or otherwise. The Site and the information contained therein may not be used to construct a database of any kind. Nor may the Site be stored (in its entirety or in any part) in databases for access by you or any third party or to distribute any database sites containing all or part of the Site.

VALUATIONS
The valuations provided by employees of Clay Raquel Marketing Incorporated are indicative and may be based on historical data and should not be substituted for information derived from real time market data. These valuations may differ substantially from firm valuations and are not a commitment by Clay Raquel Marketing Incorporated to enter into any transaction. They may not reflect Clay Raquel Marketing Incorporated internal theoretical valuation models and may vary significantly from indicative valuations available from other sources. There may be certain factors that have not been assessed for the purposes of these valuations that may substantially affect a stated valuation. While has obtained the information on which these valuations are based from sources that it believes to be reliable, Clay Raquel Marketing Incorporated makes no representations or warranties with respect to any indicative valuations.