OIL & GAS DISCLOSURE

Investments in oil & gas programs are highly speculative and involve risks.  You must be prepared to bear the economic risk of an investment for an indefinite period of time and be able to withstand a total loss of your investment.  This material does not constitute an offer to buy or sell any security.  Such offers can only be made through a private placement memorandum or prospectus which contains a complete discussion of risks involved in the investments. Read the applicable prospectus before you invest or send money.