Recordkeeping and plan administration services provided by CMC Interactive, LLC (“CMC Interactive”). Investment advisory services provided by CMC Advisors, Inc., an affiliated registered investment adviser (“CMC Advisors”). Registration as an investment adviser does not imply a certain level of skill or training. To the extent CMC Interactive recommends or refers the use of CMC Advisors for investment advisory services, such recommendation or referral presents a conflict of interest, as the recommendation or referral could be made on the basis of advisory compensation to be received by CMC Advisors.

CMC Advisors is an SEC registered investment adviser located in New York, New York. CMC Advisors and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which the firm maintains clients. CMC Advisors may only transact business in those states in which it is notice-filed or qualifies for an exemption or exclusion from notice-filing requirements. This web site is limited to the dissemination of general information, including information pertaining to the advisory services provided by CMC Advisors, together with access to additional investment-related information, publications, and links. Accordingly, the publication of this web site on the Internet should not be construed by any consumer and/or prospective client as a 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 CMC 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 is domiciled. For information pertaining to the registration status of CMC Advisors, please contact the SEC or the state securities regulators for those states in which CMC Advisors maintains a notice filing. A copy of CMC Advisors’ current written disclosure statement discussing the firm’s business operations, services, and fees is available from CMC Advisors upon written request. Neither CMC Interactive nor CMC Advisors makes 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 this 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.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by CMC), will be profitable or equal any historical performance level(s).

Certain portions of this web site (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, CMC Advisors (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from CMC Advisors, or from any other investment professional. Neither CMC Interactive nor CMC Advisors is a law firm or accounting firm, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if CMC Advisors is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of CMC Advisors by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to this web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from CMC Advisors, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to this web site, to release and hold harmless CMC Interactive, CMC Advisors, and each of their respective officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from CMC Advisors.