Important Disclosure Information

Investment Advisory services provided by Community Financial Group, Inc., a State of Massachusetts registered investment adviser. Though there are similarities among these services, the investment advisory programs offered by Community Financial Group advisors are separate and distinct, differ in material ways and are governed by different laws and separate contracts with you. A copy of by Community Financial Group, Inc.’s current written disclosure statement discussing advisory services and fees is available for review upon request.

Community Financial Group, Inc. is a State of Massachusetts registered investment adviser located in Marlborough, Massachusetts. Community Financial Group and its representatives are in compliance with the current filing requirements imposed upon State of Massachusetts registered investment advisers by those states in which Community Financial Group maintains clients. Community Financial Group may only transact business in those states in which it is notice filed, or qualifies for an exemption or exclusion from notice filing requirements. Community Financial Group website 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 Community Financial Group’s website on the Internet should not be construed by any consumer and/or prospective client as Community Financial Group’s 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 Community Financial Group 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. A copy of Community Financial Group’s current written disclosure statement discussing Community Financial Group’s business operations, services, and fees is available from Community Financial Group upon written request. Community Financial Group 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 Community Financial Group 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 Community Financial Group), will be profitable or equal any historical performance level(s).

Certain portions of Community Financial Group’s website (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Community Financial Group (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 Community Financial Group or from any other investment professional. Community Financial Group is neither an attorney nor an accountant, 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 Community Financial Group is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Community Financial Group 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 Community Financial Group’s website, 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 Community Financial Group, or from any other investment professional.

Unless otherwise expressly prohibited by applicable securities laws, Each client and prospective client agrees, as a condition precedent to his/her/its access to Community Financial Group’s website, to release and hold harmless Community Financial Group, its 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 Community Financial Group. The federal and state securities laws impose liabilities on persons who have acted in good faith. I therefore understand that nothing herein shall constitute a waiver or limitation of any federal or state right, including any private right of action.