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LISTED BELOW ARE THE REQUIRED DISCLAIMERS.

F. William McRoberts is a Registered Representative of and offer securities products & services through Royal Alliance Associates, Inc. Member FINRA/SIPC, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the states of CA, CO, GA, HI, IA, MA, MI, NJ, NC, OR, SC, TX and WA. No offers may be made or accepted from any resident outside the specific states referenced.

Sandra Mew-McRoberts is a Registered Representative of and offer securities products & services through Royal Alliance Associates, Inc. Member FINRA/SIPC, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the states of CA, CO, GA, HI, IA, MA, MI, NJ, NC, OR, SC, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

Francis William McRoberts is also separately registered as an investment adviser representative under F. William McRoberts a Registered Investment Advisor, offering advisory services in the state of Hawaii. As such these services are strictly intended for individuals residing in Hawaii.

Important Consumer Information: A broker-dealer, investment adviser, a BD agent, or IA Representative may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA Representative registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion.

For information concerning the licensing status or disciplinary history of a broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.