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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.