IMPORTANT NEW CUSTOMER DISCLOSURES AND AGREEMENT TO ARBITRATE

(1) All statements, opinions, pricing, and ideas herein are believed to be reliable, truthful and accurate to the best of 1st American Reserve's knowledge at this time. They are not guaranteed in any way by anybody and are subject to change over time. 1st American Reserve disclaims and is not liable for any claims or losses which may be incurred by third parties while relying on information published herein. Individuals should not look at this publication as giving finance or investment advice or information for their individual suitability.

(2) All readers of Investors Market Advisory are advised to independently verify all representations made herein or by its representatives for your individual suitability before making your investment or collecting decisions.

(3) Coin collecting and investing are only meant for those who are personally and financially suited. 1st American Reserve does not recommend financing any purchase or spending more than you can afford to lose if your investment goes down in value. Numismatic purchases are affected, in part, by economic and market conditions. While 1st American Reserve's competitive pricing, margins and market strategy approach the market with specific attention to the areas we recommend, we impress upon the customer to perform his or her own due diligence in deciding on the amount and type of their numismatic position and independently verify all representations.

(4) As with all investments, the value of the coins could go up or down. 1st American Reserve and its representatives do not offer any implied or assumed promises.

(5) 1st American Reserve considers coin collecting and investment to be a mid to long term investment. As with all investments, past performance is not a guarantee of future returns. Further, you understand the coin market is speculative and unregulated and you could lose money if you have to sell these coins in the short run, say a year or two. 1st American Reserve recommends a hold time of five to ten years or more. While offering no guarantee of growth in any time frame, 1st American Reserve wants the customer to understand that holding numismatic coins shorter than the recommended hold time could result in losses, while longer holding periods, such as 5-10 years increase the chances a coin's value can rise.

(6) 100% Customer Satisfaction Guarantee: If you are not 100% satisfied with your purchase, you may return it in its original packaging within ten (10) days of receipt for a full refund except on special orders or bullion orders.

(7) Other returns of numismatic items may be subject to restocking fee of up to 20%.

(8) Our policy is that payments for refunds on coins received and confirmed for liquidation will be processed in 10-15 business days unless specified otherwise by management in writing.

(9) Although many areas of numismatics lend themselves to third party grading and authentication, third party certification does not eliminate all risks associated with the grading of coins.

(10) Arbitration: 1st American Reserve strives to handle customer complaint issues directly with customer in an expeditious manner. In the event an amicable resolution cannot be reached, you agree to accept binding arbitration. Any dispute, controversy, claim or disagreement arising out of or relating to transactions between you and 1st American Reserve shall be resolved by binding arbitration pursuant to the Federal Arbitration Act and conducted in Beaumont, Jefferson County, Texas. It is understood that the parties waive any right to a jury trial. Judgment upon the award rendered by the Arbitrator may be entered in any court having jurisdiction thereof.

(11) In order to stay abreast of changing market conditions, 1st American Reserve may contact you from time to time regarding items of interest.

(12) All phone conversations between you and 1st American Reserve are recorded.

(13) All transactions and communication between 1st American Reserve, its employees, and you are only conducted through 1st American Reserve business address and business telephone numbers.

(14) You understand and acknowledge 1st American Reserve employees cannot receive gifts from customers.

(15) You understand it is your responsibility to contact the 1st American Reserve customer Service Hotline and speak with a manager regarding any issues or complaints that you may have. The toll free 1st American Reserve Customer Service Hotline is 877-357-4208.

(16) Some experts recommend that in typical times, a diversified investor's portfolio contain a rare coin and precious metals component of 5% minimum to 25% maximum. Customers should not look at our written materials or our recommendations as giving personalized legal or investment advice.

(17) Coin values are constantly changing and estimated verbal indications of value may vary due to multiple factors. The company cannot be responsible for any indications used for valuation and purchasing of customer coins unless its offer is in writing and confirmed according to the company's policies and procedures.

(18) You understand and acknowledge all transactions between you and 1st American Reserve are processed in Jefferson County, Texas.

(19) Reproduction or quotation of this newsletter is prohibited without written permission of 1st American Reserve. Investors Market Advisory is published by 1st American Reserve®, 7310 Phelan Blvd., Beaumont, Texas 77706.