IMPORTANT CONSUMER DISCLOSURE

Fee based financial planning and investment advisory services are provided through Insight Folios, Inc. a registered investment advisor. Insight Folios may only transact business in those States in which it is registered, or qualifies for an exemption or exclusion from registration requirements.

Paul L. Durso and Charles B. Bowers, Jr. are Investment Adviser Representatives of Insight Folios Inc.

Paul L. Durso and Charles B. Bowers, Jr. are individually licensed and appointed insurance agents and offer insurance products and services in various jurisdictions. From time to time, they will offer clients advice or products from those activities. Clients should be aware that these services pay a commission and involve a conflict of interest, and as commissionable products, conflict with the fiduciary duties of a registered investment adviser. Insight Folios always acts in the best interest of the client; including the sale of commissionable products to advisory clients. Clients always have the right to decide whether or not to utilize the services of any representative of Insight Folios in such individual’s outside capacities.

This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Insight Folios. unless a client service agreement is in place.

Insight Folios is a State registered investment advisor located in Charlotte, North Carolina. Insight Folios and its representatives are in compliance with the current registration and notice filing requirements imposed upon State registered investment advisors by those States in which Insight Folios maintains clients. Insight Folios web site is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in States where providing such information is not prohibited by applicable law. Accordingly, the publication of Insight Folios web site on the Internet should not be construed by any consumer and/or prospective client as Insight Folios solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, reference to written publications and books on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Insight Folios.

Any subsequent, direct communication by Insight Folios with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the State where the prospective client resides. For information pertaining to the registration status of Insight Folios, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov. A copy of Insight Folios current written disclosure statement discussing Insight Folios business operations, services, and fees is available from Insight Folios upon written request Insight Folios does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Insight Folios web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

ACCESS TO THIS WEB SITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND WITHOUT ANY WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS WEB SITE OR ANY THIRD PARTY WEB SITE LINKED TO THIS WEB SITE.