Neither Club 52, nor its agents or affiliates are registered investment advisors or broker dealers, and they do not provide personal financial or investment advice to individuals. None of the instruction provided under the Club 52 educational program (the "Program") should be construed as a recommendation or solicitation to buy or sell any security or as investment advice. All Program instruction is provided for nonprofit, non-commercial information and educational purposes only, without taking into account any particular person's objectives, financial situation or needs.

Your personal financial situation is unique, and the Program instruction may not be appropriate for your situation. Your investment decisions are solely your responsibility, and you should consult a licensed financial advisor or broker, attorney, or certified public accountant before making any and all financial or investment decisions.