Disclaimer:  The presentation is intended for educational purposes only and do not replace independent professional judgment. Statements of fact and opinions expressed are those of the providers individually, unless expressly stated to the contrary. We take no responsibility or liability for the content, accuracy or completeness of the information presented. The information contained and the resources available are not intended as and shall not be understood or construed as financial advice. Regardless anything to the contrary, nothing available on or through this presentation should be understood as professional financial advice. We expressly recommend that you seek advice from a professional to address your particular concerns. In case of investment, you may sustain a total loss of your investment and you should not invest unless you fully understand the nature of the business and the extent of your exposure to loss. If you do not fully understand, we encourage you to seek independent professional financial advice.