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GENERAL DISCLAIMER: This Client Website (this "Website" or "Client Website") has been generated by BTS Asset Management ("BTS"), an investment adviser registered with the United States Securities and Exchange Commission ("SEC") and headquartered in Lexington, Massachusetts. This Website is for informational purposes only and does not constitute a complete description of BTS Asset Management's investment philosophy, advisory portfolios, performance data or investment approach and should not be interpreted as individualized investment advice. The information contained herein is in no way a solicitation or offer to sell investment advisory services and should not be construed as a solicitation or offer to effect or attempt to effect transactions in securities or in the rendering of investment advice. BTS' investment advice is given only within the context of its contractual agreements with each client. BTS' investment advice may only be rendered after the delivery of its Form ADV Part 2 and the execution of a Client Agreement by the client or investor. BTS' Form ADV Part 2 describes BTS' business operations, services and fees and is available upon request. All performance data, including hypothetical and actual performance data, displayed and analyzed in charts, graphs, white papers or elsewhere on this Website must not be interpreted to imply that past results are an indication of future performance and should not be incorporated or relied upon by consumers, clients or prospective clients in assessing investment risks or in framing personal investment objectives. All performance data has been generated by BTS and/or unaffiliated third parties in good faith and is subject to potential inaccuracies, typos, automation errors, human errors and general clerical errors outside of BTS' control. BTS therefore, in its capacity and on behalf of its third party information providers, where applicable, hereby disclaim any liability for any and all errors or inaccuracies, regardless of cause, and for any delays, interruptions or errors in the transmission of data that might otherwise occur.

HYPERLINKS DISCLAIMER: By accessing this website, you acknowledge and understand that BTS may, from time to time and without notice, add, remove and provide access on this Website to unaffiliated third party external websites not controlled by, or under common control with, BTS ("Hyperlinked Site" or "Hyperlink"). You further acknowledge and understand that this third party information, whether incorporated directly, by reference or through the use of Hyperlinks, is being offered for convenience purposes only. By clicking on any third party Hyperlink, you will leave this BTS generated Client Website and be redirected to the Hyperlinked Site. BTS has not been involved in the preparation of any content or information provided on such Hyperlinked Sites and does not explicitly or implicitly endorse or approve such content or information. BTS makes no representations or warranties regarding the safety, accuracy or timeliness of Hyperlinked Sites. To the extent that any unaffiliated third party site constitutes investment advice or an offer or solicitation to effect or attempt to effect transactions in securities or in the rendering of investment advice, you understand and acknowledge that such information, including statistical information regarding performance, has not been reviewed by BTS personnel and that BTS neither endorses or makes any warranty, express or implied, as to the accuracy of such information. You further acknowledge and understand that BTS makes no representations regarding the suitability of any investment, security or strategy and that BTS has not made any determination that any recommendation, investment, or strategy in any content contained on this website or a Hyperlinked Site is suitable or appropriate for you based on your investment objectives and risk tolerance.

For information pertaining to the registration status of BTS Asset Management, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov.

ACCESS TO THIS WEBSITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND IS INTENDED STRICTLY FOR UNITED STATES RESIDENTS. THE GENERAL DISSEMINATION OF INFORMATION CONTAINED HEREIN IS MADE WITHOUT ANY WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, OR PERFORMANCE RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS CLIENT WEBSITE OR ANY THIRD PARTY WEBSITE LINKED TO THIS WEBSITE.