Disclaimer

This publication is provided for informational purposes only and is not intended to be, and should not be taken as, an offer or solicitation to buy or sell any securities or to invest in any investment strategy. The information contained in this publication is not investment advice and should not be relied on as the basis for any investment decision.

The views, thoughts, and opinions expressed in this presentation belong solely to the author and are not necessarily indicative of the views of Hermit s.XXI (‘Hermit’), its management, its affiliates, or its employees. This presentation may contain forward-looking statements, which are based on beliefs, assumptions, current expectations, estimates, and projections of the author or Hermit. Such statements are subject to risks and uncertainties that could cause actual results to differ materially.

Readers should consider the investment objectives, risks, charges, and expenses of any investment carefully before investing. The author does not guarantee the accuracy or completeness of the information presented, which is subject to change without notice. The author is not responsible for any errors or omissions, or the results obtained from the use of this information.

This publication does not take into account the investment objectives, financial situation, or specific needs of any individual. It is not to be construed as legal, tax, investment, or other advice, and the author recommends that investors seek independent financial and tax advice before making any investment decision.

Investments involve risks, including the loss of principal. The value of investments and the income from them can fluctuate, and investors may not get back the amount originally invested. Past performance is not necessarily indicative of future results.

Please consult your legal or financial advisor for specific advice tailored to your situation.