Neither this document nor its contents shall be constructed as an offer, invitation, advertisement, inducement or representation of any kind or form whatsoever. While the information contained herein has been obtained from sources believed to be reliable, we do not represent that it is accurate or complete and it should be relied upon. We hereby expressly disclaim all liabilities arising out of or incidental to the accuracy and completeness of the contents and information herein contained. We further advise that the contents and information in this document will be subject to change without further notice. The document may not in whole or in part be reproduced or furnished to any person other than the addressee. Kingsway Financial Services Group Ltd. and its officers may from time to time have a position in the securities mention and may, as principal or agent, buy and sell such securities.