Legal Disclosure

These materials have been independently produced by Tampa Asset Management. Tampa Asset Management is independent of, and has no affiliation with, Charles Schwab & Co., Inc. (“Schwab”) or Charles Schwab Bank. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Charles Schwab & Co., Inc. conducted any independent verification of the facts and representations underlying these materials.

Important Consumer Disclosure
Tampa Asset Management (TAM) is a brand name of Brightwater Advisory, LLC, which is an SEC registered investment adviser located in Tampa, Florida. TAM and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which TAM maintains clients. TAM may only transact business in those states in which it is notice filed, or qualifies for an exemption or exclusion from notice filing requirements. TAM's web site is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. Accordingly, the publication of TAM's web site on the Internet should not be construed by any consumer and/or prospective client as TAM's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from TAM. Any subsequent, direct communication by TAM with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of TAM, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov. A copy of TAM's current written disclosure statement discussing TAM's business operations, services, and fees is available from TAM upon written request. TAM does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to TAM's web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

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