IMPORTANT DISCLOSURE INFORMATION

Cornerstone Financial Services, Inc. (“Cornerstone”) is a state registered investment adviser located in Dallas, Texas.  Cornerstone and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by those states in which Cornerstone maintains clients. Cornerstone may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Cornerstone’s web site 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 Cornerstone’s web site on the Internet should not be construed by any consumer and/or prospective client as Cornerstone’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 Cornerstone 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. For information pertaining to the registration status of Cornerstone, please contact the state securities regulators for those states in which Cornerstone maintains registration.  A copy of Cornerstone’s current written disclosure statement discussing Cornerstone’s business operations, services, and fees is available from Cornerstone upon written request. Cornerstone 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 Cornerstone’s 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 Cornerstone), will be profitable or equal any historical performance level(s).

Certain portions of Cornerstone’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Cornerstone’s (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 Cornerstone, or from any other investment professional. Cornerstone 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 Cornerstone is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Cornerstone 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.

Mr Tuma’s books: Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly in Mr. Tuma’s books (including the investments and/or investment strategies recommended or undertaken by the author and/or his affiliates), will be profitable, equal any corresponding indicated historical performance level(s), or be suitable for your portfolio.  Due to various factors, including changing market conditions, the content may no longer be reflective of current opinions or positions.  Moreover, you should not assume that any discussion or information contained in the book serves as the receipt of, or as a substitute for, personalized investment advice from the author and/or his affiliates. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Cornerstone’s web site, to release and hold harmless Cornerstone, 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 Cornerstone.

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