Wheeler/Frost
Associates, Inc. ("Wheeler/Frost") is an SEC registered investment adviser located
in San Diego, CA. Wheeler/Frost and its representatives are in compliance with
the current registration and/or notice filing requirements imposed upon SEC registered
investment advisers by those states in which Wheeler/Frost maintains clients.
Wheeler/Frost may only transact business in those states in which it is registered,
or qualifies for an exemption or exclusion from registration requirements. Wheeler/Frost's
web site is limited to the dissemination of general information pertaining to
its investment advisory services. Accordingly, the publication of the Wheeler/Frost's
web site on the internet should not be construed by any consumer and/or prospective
client as Wheeler/Frost's solicitation to effect or attempt to effect transactions
in securities, or the rendering of personalized investment advice for compensation,
over the internet. Any subsequent, direct communication by Wheeler/Frost 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 Wheeler/Frost, please contact the United States Securities and Exchange
Commission and/or the state securities law administrators for those states in
which Wheeler/Frost maintains a notice filing. A copy of Wheeler/Frost's current
written disclosure statement discussing Wheeler/Frost's business operations, services,
and fees is available from Wheeler/Frost upon written request. Wheeler/Frost does
not make any representations or warranties as to the accuracy, timeliness, suitability,
completeness, or relevance of any information prepared by any unaffiliated third
party, whether linked to Wheeler/Frost's web site or incorporated herein, and
takes no responsibilty therefor. All such information is provided solely for convenience
purposes only and all users thereof should be guided accordingly.