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INTRODUCTION

BTS is pleased to share our views in an effort to help you maintain an informed dialogue with your financial advisor.

Please be advised that BTS Asset Management is making this material available for discussion purposes only and it is not intended as investment advice. This material does not constitute an offer to buy or sell, or a solicitation of an offer to buy or sell any securities or interests of any entities, or to provide investment advisory services.

BTS makes no express or implied representation or warranty with respect to the accuracy or completeness of this material. This material is based upon information BTS believes to be reliable. However, the information set forth herein does not purport to be complete and is subject to change. BTS has no obligation to inform the recipient when the information herein is no longer current.

This material may not be duplicated or transmitted in whole or in part without the prior consent of BTS.