DISCLAIMER

LOCAL LAWS AND REGULATIONS
This Site is not directed at any person in any jurisdiction where for any reason the publication or availability of this Site is prohibited. Those in respect of whom such prohibitions apply must not access this Site. Jacob Stuart & Knight Inc. does not represent that (i) any of the materials at this Site; (ii) any investment services that may be deemed to be available on this Site; or (iii) anything else on this Site, are appropriate for use or permitted by local laws in all jurisdictions. Those who access this Site do so at their own initiative, and are responsible for compliance with applicable local laws or regulations; legal advice should be sought in cases of doubt. Those who access this Site may not necessarily be able to deal directly with all or any Jacob Stuart & Knight Inc. entities. None of the materials or investment services at or referred to at this Site are available to persons resident in any jurisdiction where this would be contrary to local law or regulation.

INFORMATION PURPOSES ONLY
All information and opinions expressed herein are current as of publication and are subject to change without notice.

NO RELIANCE
While Jacob Stuart & Knight Inc. has endeavored to ensure the accuracy of the information at this Site, Jacob Stuart & Knight Inc. does not guarantee or give any warranty as to the accuracy, timeliness or completeness of any information or material at this Site.

NO WARRANTY
The materials at this Site are provided "as is" without warranty of any kind, either express or implied, to the fullest extent permissible pursuant to applicable law, including but not limited to implied warranties of merchantability, satisfactory quality or fitness for a particular purpose. Jacob Stuart & Knight Inc. further accepts no responsibility or liability for, and makes no warranties that, functions contained at this Site will not be interrupted or error-free or that defects will be corrected. Please note that some jurisdictions do not allow the exclusions of implied warranties, so some or all of the above exclusions may not apply to you. In no event will Jacob Stuart & Knight Inc. be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if Jacob Stuart & Knight Inc. has been advised of the possibility thereof. Applicable law may not allow the limitation or exclusion of liability for consequential or incidental damages, so the limitation or exclusion may not apply to you.

Jacob Stuart & Knight INC. CONSULTING INTERESTS
Jacob Stuart & Knight Inc. its shareholders, directors, officers and employees may make a market or deal as principal in the securities, commodities or instruments mentioned or

discussed or in options based thereon. In addition, any member of or individual within Jacob Stuart & Knight Inc. may from time to time have long or short positions in such securities or in options therein any member of Jacob Stuart & Knight Inc. may from time to time perform investment banking or other services for private clients in addition to Jacob Stuart & Knight Inc.

COPYRIGHT
You may not copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to create derivative works from, create derivative works from, transmit, or in any way exploit any part of the Site. Additionally, you may not offer any part of the contents of the Site for sale or distribute such part over any medium, including, but not limited to, distribution by television or radio broadcast, or distribution on a computer network. You may not make any part of the Site available as part of another site, whether by hyperlink framing on the Internet or otherwise. The Site and the information contained therein may not be used to construct a database of any kind. Nor may the Site be stored (in its entirety or in any part) in databases for access by you or any third party or to distribute any database sites containing all or part of the Site.

VALUATIONS
The valuations provided by employees of Jacob Stuart & Knight Inc. are indicative and may be based on historical data and should not be substituted for information derived from real time market data. These valuations may differ substantially from firm valuations and are not a commitment by Jacob Stuart & Knight Inc. to enter into any transaction. They may not reflect Jacob Stuart & Knight Inc. internal theoretical valuation models and may vary significantly from indicative valuations available from other sources. There may be certain factors that have not been assessed for the purposes of these valuations that may substantially affect a stated valuation. While has obtained the information on which these valuations are based from sources that it believes to be reliable, Jacob Stuart & Knight Inc. makes no representations or warranties with respect to any indicative valuations.

DISCLAIMER OF FUTURE PROJECTIONS
Information on the Site may contain statements that may constitute, and from time to time our management may make, "forward-looking statements" within the meaning of the safe harbor provisions of The Private Securities Litigation Reform Act of 1995. Any such statements must be read in the context of the offering materials pursuant to which any securities may be offered or sold in the United States. These forward-looking statements are not historical facts but instead represent only our belief regarding future events, many of which, by their nature, are inherently uncertain and outside our control. Important factors that could cause actual results to differ from those in specific forward looking statements include, without limitation, economic and market conditions, political events and investor sentiments, liquidity of secondary markets, level and volatility of interest rates, currency exchange rates, security valuations, competitive conditions and size, and the number and timing of transactions. 

INTERNAL AUDIT PROCESS
The design and implementation of an internal control structure within an organization is one of the core responsibilities of management. Jacob Stuart & Knight Inc. 's Internal Audit Services Group provides cost-effective, value-added solutions to improve the financial position and operations of your business. Our experienced professionals have directed and consulted with internal audit functions for a wide variety of companies, ranging from Fortune 500 firms to private, middle-market companies. We can help you develop a proactive approach to evaluating and implementing a plan to manage the financial, operational and compliance risks of your organization. We are a resource to your current internal audit staff and available to support any special project. Members of Jacob Stuart & Knight Inc.'s Internal Audit Services Group have the necessary expertise and training to provide practical, value-added recommendations pertaining to the reliability of financial reporting, the effectiveness and efficiency of operations and the organizational structure, systems and work flow.

At Jacob Stuart & Knight Inc. , we understand internal auditing. We also understand the complex business world outside the internal audit environment. Our management group averages more than 10 years of experience in both industry and public accounting. We have regional, national and international accounting backgrounds, as well as experience in IT management, sales management and manufacturing. The Jacob Stuart & Knight Inc.'s Internal Audit Group is not only a team of internal auditing professionals, but also a collection of experienced business people who have been around the block. The Jacob Stuart & Knight Inc. Internal Audit Group is a stable, experienced team of professional business people. We are expert at providing:

Quick and accurate identification of critical financial and operational issues within your organization. Solutions that are both state-of-the-art and practical in the "real world".Participation by experienced business people during the implementation of agreed upon solutions. Mentoring and guidance to your key personnel based on practical experiences and "know how”. The Jacob Stuart & Knight Inc. Internal Audit Group has been in your shoes and experienced your most pressing problems. We are prepared to help your organization reach the next level!

Internal Audit Services Our seasoned team of professionals provides valued-added services.
Corporate Governments Implement effective strategies to address government mandates and investor expectations.
Enterprise Risk Consulting Chart a course to effectively address your organizational risks.
Information Technology Audit Address the information technology risks and controls consulting needs of your organization.
Forensic Audit Sorbannes and Oxley compliant implement effective strategies to address government regulations relating to Sorbannes and Oxley.