DiSCLOSURE

This investment model is intended solely for informational purposes and should not be considered as investment advice or a recommendation to buy, sell, or hold any securities. The model is based on certain assumptions and historical data, and there is no guarantee that it will accurately predict future market conditions or investment performance.

It is important to note that the model may be subject to errors or omissions, and it may not take into account all relevant factors that may affect future market conditions or investment performance. The model is also subject to limitations and risks, including market risk, liquidity risk, credit risk, and operational risk, among others. Investors should carefully consider these risks and limitations before making any investment decisions based on the model.

The model is a point in time model, and it reflects the data available at a specific point in time. Changes in market or economic conditions that occur after that point in time may not be reflected in the model. It is also possible that significant events such as drops in household incomes, higher delinquency rates, or a global financial crisis may take time to be reflected in the data used in the model. As such, investors should exercise caution when using the model and consider other factors that may affect investment performance.

It is highly recommended that investors consult with a qualified professional, such as a financial advisor or attorney, before making any investment decisions based on the model. The model provider assumes no responsibility or liability for any investment decisions made based on the model, and investors assume all risks associated with any investment decisions based on the model. The specific disclosures and language used in this statement may vary depending on the type of investment model and the jurisdiction in which it is used.