Note: This material does not constitue an offer to sell nor is it a solicitation of an offer to buy any securities.

>ACCREDITED INVESTOR: Your individual income has been $200,000 or more in the past two years, and you have a resonable expectation of reaching the same income level this year. OR Your joint income with your spouse has been $300,000 of more in the past two years, and you have a reasonable expectation of reaching the same income level this year. OR Your individual net worth (or joint with your spouse) exceeds $1,000,000 excluding your primary residence.