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Absent a Formal Engagement Letter, our Information is Never an Offer or Advice

U.S. Treasury Circular 230 Notice
Any U.S. federal tax advice included in this communication (including any attachments) was not intended or written to be used, and cannot be used, for the purpose of (i) avoiding U.S. federal tax-related penalties or (ii) promoting, marketing, or recommending to another party any tax related matter addressed herein.

No Offer or Advice
The information contained herein has been prepared solely for informational purposes and is not an offer to sell or purchase or a solicitation of an offer to sell or purchase an interest in any anything. H-Fn Capital Advisors, Inc. reserves the right to change, modify, or add to its opinion at any time without notice and without liability. Those who review our information do so at their own initiative and are responsible for compliance with any laws or regulations applicable to them.

You acknowledge that the content of any securities commentary is for general, informational purposes only and is not intended to constitute an offer to sell or buy any securities or promise to undertake or solicit business, may not be relied upon in connection with any offer or sale of securities. An offer or solicitation for non-securities business will be made via related customary documentation with respect to a specific business opportunity and will be subject to the terms and conditions contained in such documents. We do not engage in securities advice, but do hold opinions on interest rates and other relevant matters to our business.

We do not provide securities investment advice but do provide certain valuation and capital structuring advice, or other advice absent written agreement, and never make securities recommendations that you buy, sell or hold any security or other investment or that you pursue any investment style or strategy. If you would like investment accounting, tax or legal advice, you should consult with your own advisors with respect to your individual circumstances and needs. Most commonly, our clients are QIBs.

No Warranties
We compile our information in good faith and while we use reasonable efforts to include accurate and up-to-date information in our correspondence, the information is provided on an "as is" basis with no warranties of any kind. We do not warrant that the information is accurate, reliable, up to date or correct. Any reliance not covered by applicable engagement agreement(s) of H-Fin Capital Advisors, Inc. is used at your unilateral risk (i.e. your own risk).

Restrictions on Use
Our prior permission is required for any commercial use of our thoughts or intellectual property provided under these confidential communications. You warrant that when reviewing our correspondence that you shall not violate or facilitate any violation of any applicable local, state, federal or international law, statute, regulation, code or ordinance, including, without limitation, regulations promulgated by or the rules of any national or other securities exchange.

Limitation of Liability
We are not responsible for any damages or injury, including but not limited to special, indirect, incidental or consequential damages, that result from your use of (or inability to use) information we provide, including any damages or injury caused by any failure of performance, error, or omission. You understand and agree that your review of all general H-Fin Capital Advisors, Inc. correspondence is predicated upon your waiver of any right to sue us or its affiliates directly or to participate in a suit for any losses or damages resulting from your review.

Links to Outside Information or Other Websites
We may link to other information. We do not endorse such information other than to make favorable and unfavorable non-actionable opinions. Further we do not have any responsibility for, or make any representations about, any such information, including their products and services, content, communications and website use policies. We expressly disclaim any responsibility for your access to or use of such other companies, sites or otherwise as the case may be.

Governing Law
You agree that your use of this site and any disputes relating to any of them shall be governed in all respects by the laws of the State of California. Any dispute relating to the above shall be resolved solely in the state or federal courts located in San Diego, Californiaocated in San Diego, California.