 Information about the investment products contained in this presentation is solely for informational purposes and does not constitute a specific recommendation of either an offer to sell or the solicitation of an offer to buy any investment. Any specific investment terms are indicative only and may not reflect an actual investment that is, or will be, available for purchase from StockCross Financial Services, Inc. The information herein is not, and is not intended to be, a complete discussion of all material information you should know about any investment or investment class. You should carefully read the relevant prospectus and related supplements or other offering documents prior to making a purchase. You should not rely on the information contained in this presentation in connection with the purchase of any investment product.  There shall be no sale of the investments discussed herein in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction.  The investments or strategies referenced do not take into account the investment objectives, financial situation or particular needs of any specific person. Product suitability must be determined for each individual investor. It is your responsibility to verify any information contained in this presentation before making any investment decision.

 U.S. Government Securities are debt instruments issued directly by the U.S. Government.  Maturities range from 3 months to 30 years and are backed by the full faith and credit of the U.S. Government  U.S. Government Securities’ interest payments are taxed only at the federal level – states and municipalities cannot tax interest income on U.S. Debt.

 Marketable: Treasury Bills, Bonds, and Notes are issued by the U.S. government in regular auctions.  Nonmarketable (savings bonds): Savings Bonds are non- transferrable and are issued in registered physical form. They include Series EE, HH, and I bonds. They are generally purchased directly through a Federal Reserve Bank or an issuing and paying agent (bank or thrift).

 Treasury Bills: Have maturities ranging from one month to one year. Bills are purchased at a discount (i.e. a purchaser purchases the Bill at $950 to receive $1000 principal payment in three months ($50 return in three months).  Treasury Notes: Intermediate notes ranging from 1 to 10 years. Investor receives par value ($1000/note) at maturity. The holder of a Treasury Note receives semi-annual interest payments.

 Treasury Bonds: Have maturities greater than 10 years. Bonds are traded and are quoted like treasury notes.  Treasury STRIPS: Traded through financial institutions. Holders of Treasury Notes and Bonds can separate interest and principal payments into separate securities. STRIPS are backed by the full faith and credit of the U.S. Government.

 Lowest Default Risk: Issues are backed by the full faith and credit of the United States Government.  Inflation Protection: Many debt issues have principal payments indexed to inflation (such as the consumer price index), preventing some loss in high-inflation times.  Taxation: State and local governments cannot tax interest payments, potentially saving investors in high-tax states substantial amounts.  Interest Rates: While considered one of the safest investments, higher- yielding securities can pay holders greater payments for the risks taken by the investor.

 U.S. Federal Agencies: Federal Agencies are owned by the U.S. Government and issue debt on their own behalf. Backed by the full faith and credit of the U.S. Government.  Government Sponsored Entities (GSEs): Corporations created by Congress to make loans to certain groups (i.e. students, farmers, homeowners). Bonds issued by GSEs are not guaranteed by the full faith and credit of the U.S. Government.

 The Government National Mortgage Association (GNMA or Ginnie Mae) pools mortgages, places them in a portfolio, and sells to investors.  GNMA is one of the most well-known federal agencies issuing debt.  Unlike other agencies, GNMA debt is guaranteed by the full faith and credit of the U.S. Government. It is also fully taxable at the federal, state, and local level.

 Interest Rate Risk: If rates rise, an investor may lose the opportunity to gain a higher return.  Principal: As mortgages are prepaid, investors risk receiving an early return of their money invested.  Refinancing: Since the pools consist of mortgages, refinancing or selling of homes can result in early payments to investors.

 Federal Farm Credit System (FCS): system of banks and associations that lend money to the agricultural sector.  Federal Agricultural Mortgage Corporation (FAMC, Farmer Mac): provides a secondary market for farm mortgage and rural housing loans.  Federal Home Loan Bank (FHMC): System of 12 regional banks that makes low-cost loans to members who make residential mortgage loans.

 Federal Home Loan Mortgage Corporation (FHLMC, Freddie Mac): Publically held company that primarily maintains a secondary market for residential mortgages.  Federal National Mortgage Association (FNMA/Fannie Mae): Private corporation that principally provides a nationwide secondary market for single and multi-family residential mortgages.

 Student Loan Marketing Agency (SLMA, Sallie Mae): Purchases loans insured under federally sponsored programs and makes secured loans to educational institutions.

 Default: unlike agencies, GSE’s are not fully guaranteed by the government.  Taxation: Federal, local, and state taxation rules vary on the agency and state of residence. It is important to review any tax implications prior to investing.  Prepayment: Many securities issued by the GSE’s can be reduced in value if prepayment on the covered debt occurs.

 The United States Government is the largest issuer of debt in the world.  The United States Government has never defaulted on its debt.  Direct obligations of the United States Governments are some of the most actively traded and liquid securities in the world.

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