Financial Consultants Group, Inc. (Registered Investment Adviser), Cambridge Investment Research, Inc. (Broker/Dealer), or an agent of either may only transact business in a state if first registered, excluded, or exempted from state broker-dealer, investment adviser, broker-dealer agent or Investment Adviser agent registration requirements; follow-up and/or individualized responses to persons in a state by any of the above that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation will not be made absent compliance with state broker-dealer, investment adviser, broker-dealer agent or investment adviser agent registration requirements, or an applicable exemption or exclusion.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member NASD/SIPC to residents of: Alabama, California, Colorado, Florida, Georgia, Kentucky, Louisiana, Mississippi, and North Carolina

Investment Advisory Services offered through Investment Advisor Representatives of Financial Consultants Group, Inc. a Registered Investment Advisor to residents of Georgia.

Cambridge Investment Research, Inc. and Financial Consultants Group, Inc. are not affiliated companies.