Disclosure

Palmerston Group Advisors, L.L.C. (“Palmerston Group”) is a registered investment advisory firm in the state of New Jersey, located in Highland Park, New Jersey. Palmerston Group and its representatives are in compliance with current registration and/or filing notice requirements imposed upon New Jersey State Registered Investment Advisors. Registration information, including its ADV Part Two “brochure” is available upon request by using the Investment Advisor Search function at http://www.adviserinfo.sec.gov/IAPD/Content/Search/iapd_Search.aspx The firm will not solicit or accept business in any state in which it is not properly registered or otherwise qualified to conduct business by virtue of a state “de minimus” exemption. Insurance services are provided through Palmerston Group Indemnity Solutions, L.L.C., a business entity registered with the New Jersey Department of Banking and Insurance.

Palmerston Group’s web site is limited to the dissemination of general information pertaining to its investment advisory and financial planning services. Accordingly, Palmerston Group’s web site on the Internet should not be construed by any consumer and/or prospective client as Palmerston Group’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Palmerston Group does not render or offer to render personalized investment advice or financial planning advice through the firm’s website. Palmerston Group’s services are provided only upon the commencement and within the context of contractual agreements with each client. Any subsequent, direct communication by Palmerston 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. Palmerston Group uses reasonable efforts to obtain information from sources which it believes to be reliable; however, Palmerston Group makes no representation that the information or opinions contained on the Palmerston Group website are accurate, reliable or complete. The information and opinions contained in the Palmerston Group website are provided by Palmerston Group for personal use and informational purposes only and are subject to change without notice.

The Palmerston Group site contains live ‘links’ to other Internet addresses. These links include information developed, published, maintained, or otherwise posted by entities entirely separate from and unrelated to Palmerston Group. Palmerston Group does not sanction, approve, control, attest to the veracity of, or endorse these external Internet addresses. It neither warranties nor assumes responsibility for the truthfulness, fullness, value, or timeliness, of content found at these sites. Use of any information obtained from these independent locations is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by Palmerston Group.