IMPORTANT DISCLOSURES

Keystone Financial Group, LLC is a SEC registered investment adviser located in Lexington, Kentucky. Registration as an investment adviser does not imply any level of skill or training. Keystone Financial Group may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Keystone Financial Group’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Keystone Financial Group’s web site on the Internet should not be construed by any client and/or prospective client as Keystone Financial Group’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 Keystone Financial Group with a prospective client will 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.

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Keystone Financial Group 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 the Keystone Financial Group web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

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Certain portions of Keystone Financial Group’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Keystone Financial Group’s (and those of other investment and non-investment professionals) positions and/or opinions as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current positions and/or opinions. Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Keystone Financial Group, or from any other investment professional. Keystone Financial Group is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

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Each client and prospective client agrees, as a condition precedent to his/her/its access to Keystone Financial Group’s web site, to release and hold harmless Keystone Financial Group, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Keystone Financial Group.

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Personnel of Keystone Financial Group hold the designations or educational experience referenced in the website. In addition, Keystone Financial Group itself is a member of certain organizations referenced in the website. You may request a copy of the Brochure Supplements for the personnel of Keystone Financial Group for additional information regarding the education, business experience and professional designations of the investment adviser representatives of Keystone Financial Group.