Disclosures

IMPORTANT DISCLOSURE INFORMATION

PACIFIC CAPITAL WEALTH ADVISORS, INC. DBA “PACIFIC CAPITAL” IS AN SEC-REGISTERED INVESTMENT ADVISOR LOCATED IN CORONA, CALIFORNIA. PACIFIC CAPITAL AND ITS REPRESENTATIVES ARE IN COMPLIANCE WITH THE CURRENT FILING REQUIREMENTS IMPOSED UPON THE SEC REGISTERED INVESTMENT ADVISORS BY THOSE STATES IN WHICH PACIFIC CAPTIAL MAINTAINS CLIENTS. ACCORDINGLY, THIS PUBLICATION SHOULD NOT BE CONSTRUED BY ANY CONSUMER AND/OR PROSPECTIVE CLIENT AS PACIFIC CAPITAL’S SOLICITATION TO EFFECT, OR ATTEMPT TO EFFECT TRANSACTIONS IN SECURITIES, OR THE RENDERING OF PERSONALIZED INVESTMENT ADVICE FOR COMPENSATION.

PLEASE REMEMBER THAT PAST PERFORMANCE MAY NOT BE INDICATIVE OF FUTURE RESULTS. DIFFERENT TYPES OF INVESTMENTS INVOLVE VARYING DEGREES OF RISK, AND THERE CAN BE NO ASSURANCE THAT THE FUTURE PERFORMANCE OF ANY SPECIFIC INVESTMENT, INVESTMENT STRATEGY, OR PRODUCT MADE REFERENCE TO DIRECTLY OR INDIRECTLY IN THIS DOCUMENT WILL BE PROFITABLE, EQUAL ANY CORRESPONDING INDICATED HISTORICAL PERFORMANCE LEVEL(S), OR BE SUITABLE FOR YOUR PORTFOLIO. DUE TO VARIOUS FACTOR, INCLUDING CHANGING MARKET CONDITIONS, THE CONTENT MAY NO LONGER BE REFLECTIVE OF CURRENT OPINIONS OR POSITIONS. MOREOVER, YOU SHOULD NOT ASSUME THAT ANY DISCUSSION OR INFORMATION CONTAINED HEREIN SERVES AS THE RECEIPT OF, OR AS A SUBSTITUTE FOR, PERSONALIZED INVESTMENT ADVICE FROM PACIFIC CAPITAL (OR ANY OF ITS RELATED ENTITIES), OR FROM ANY OTHER INVESTMENT PROFESSIONAL. TO THE EXTENT THAT A READER HAS ANY QUESTIONS REGARDING THE APPLICABILITY OF ANY OF THE CONTENT TO HIS/HER INDIVIDUAL SITUATION, HE/SHE IS ENCOURAGED TO CONSULT WITH THE PROFESSIONAL ADVISOR OF HIS/HER CHOOSING. A COPY OF PACIFIC CAPITAL’S CURRENT WRITTEN DISCLOSURE STATEMENT DISCUSSING OUR ADVISORY SERVICES AND THE COST TO HIRE US IS AVAILABLE FOR REVIEW UPON REQUEST.