Important Disclosures

TECHNOLOGY & INVESTMENT ADVISORY SERVICES

Wealthcare Capital Management LLC (“Wealthcare”) is an independent, fee-only investment adviser registered with the U.S. Securities and Exchange Commission (the “SEC”) as required by current regulations. Wealthcare’s disclosure statement, the Form ADV Part 2A is available here. or through the SEC’s website through the Investment Adviser Search page here. The Form ADV Part 2A contains a copy of Wealthcare’s Privacy Policy for advisory clients and prospective clients.

In addition to serving as an investment adviser, Wealthcare is also a technology provider to the financial services industry via its website at www.financeware.com (the “Financeware Website”). The Financeware Website is utilized for an Application Service Provider (“ASP”) business model which delivers wealth management software that supports the Wealthcare advising concepts over the internet. Wealthcare, as Licensor, is not engaged in rendering investment or financial advice to a User/Licensee’s client(s). The results of the use of the software and the Licensor’s Website must not be regarded or represented by the User/Licensee as constituting specific investment or financial advice by Wealthcare to User/Licensee’s clients. As a professional financial advisor or planner, registered representative, insurance agent and/or representative or in any other status whereby a User/Licensee makes a living by providing financial, investment and/or insurance advice to others, the User/Licensee bears full responsibility for advice and services furnished to its clients, regardless of whether User/Licensee employed the software or Licensor’s site in connection with the development of such advice.

In the event a User/Licensee has fully met the requirements set forth in the Section 2 of the User Agreement, Wealthcare will accept responsibility solely to the User/Licensee to the extent the advisory services we have provided to User/Licensee were deficient or otherwise inadequate to meet our obligations to the User/Licensee under an accepted User Agreement. The possible future results of investment decisions are provided merely for informational purposes and should not be regarded as a prediction or guarantee of future results. Nothing contained in the software or on the Financeware Website shall be construed as a recommendation to buy or sell any security or investment product.

The Financeware Website provides a link to its investment advisory services website, www.wealthcarecapital.com (the “Wealthcare Website”). (Collectively, the Wealthcare Website and the Financeware Website will be referred to as the “Websites”.) Wealthcare does not provide personalized investment advice through the Wealthcare Website and it is limited to providing you with general information on our investor and advisory services for United States residents residing in states where providing such information is not prohibited by law.

The publication of Financeware Website and the Wealthcare Website on the Internet should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect or recommend transactions in securities, or to render personalized investment advice over the Internet.

The information resulting from the use of tools, charts, graphs or other information on the Websites should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Wealthcare. Past performance is no indication of future performance. Mutual funds and exchange-traded fund investments may lose value, and are not FDIC insured or government guaranteed.

ACCESS TO THE WEBSITES 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 THE WEBSITES OR ANY THIRD PARTY WEBSITE LINKED TO THE WEBSITES.

WEBSITE PRIVACY STATEMENT

We are committed to protecting your privacy whenever you use our Websites. Whenever you visit the Wealthcare Website, we recognize you only by your domain name. We do not collect any personal information about you. When you visit some websites, their web servers generate pieces of software known as “cookies.” A cookie is a file placed on your hard drive by a web site that allows the web site to monitor your use of that site, usually without your express knowledge. We do not utilize this functionality on the Wealthcare Website.

As to the Financeware Website, we don’t use this functionality unless the user elects to subscribe to our ASP service. When a User/Licensee accepts the User Agreement and establishes a Login and Password, only then will the Financeware Website utilize cookies for session management purposes only. This is applicable for a trial subscription as well as for a paid subscription or for log-ins authorized for client use by paid trail or paid subscribers. In order to subscribe, we may collect non-public personal information including your name, email address and credit card information which is protected as per Wealthcare’s Privacy Policy here.

INTERNATIONAL USE

Due to the global nature of the Internet, the Websites may be accessed by users in countries other than the United States. We make no warranties that materials on the Websites are appropriate or available for use in such locations. If it is illegal or prohibited in your country of origin to access or use the Website, then you should not do so. Those who choose to access the Websites outside the United States do so under their own initiative and are responsible for compliance with all local laws and regulations.

LIMITATIONS OF LIABILITY

We are not responsible for any damages or injury, including but not limited to special or consequential damages, that result from your use of (or inability to use) this website, including any damages or injury caused by any failure of performance, error, omission, interruption, defect, delay in operation, computer virus, line failure, or other computer malfunction. You acknowledge that we provide the contents of this website on an “as is” basis with no warranties of any kind. Your use of this website and use or reliance upon any of the materials on it is solely at your own risk.

GOVERNING LAW

You agree that your use of this website and the privacy policy and any disputes relating to them shall be governed in all respects by the laws of the State of Virginia. Any dispute relating to the above shall be resolved solely in arbitration in the State of Virginia. The award of the arbitrators shall be final and binding on the parties, and judgment upon the award rendered may be entered into in any court, state or federal, having jurisdiction.

OWNERSHIP

All content included on the Websites, such as graphics, logos, articles and other materials, is the sole property of Wealthcare or others and is protected under copyright, trademark and other laws. All rights reserved. Any person using this website is permitted to copy and print individual website pages for non-commercial purposes only.

REGISTERED TRADEMARKS

The following are the registered and unregistered trademarks and service marks of Wealthcare Capital Management IP, LLC, a subsidiary of Wealthcare, in the United States and are not to be utilized without the permission of Wealthcare.

WEALTHCARE CAPITAL MANAGEMENT WEALTHCARE WAY

PATENTS GRANTED, ASSIGNED, OR LICENSED EXCLUSIVELY TO WEALTHCARE CAPITAL MANAGEMENT LLC AND ITS SUBSIDIARIES.

The patented systems referred to within the Websites are held by Wealthcare Capital Management IP LLC, a subsidiary of Wealthcare, or are used by us under exclusive agreements with the patent owners.

United States of America

Patent No. 6,947,904 System and method for incorporating mortality risk in an investment planning model Patent No. 7,562,040 Method, system and computer program for auditing financial plans
Patent No. 7,650,303 Method and system for financial advising
Patent No. 7,765,138 Method and system for financial advising
Patent No. 7,991,675 Method and system for financial advising

Commonwealth of Australia

Patent No. 759947 Internet communications and presentation software and method Patent No. 771672 Method, system and computer program for auditing financial plans Patent No. 768759 Method and system for financial advising

New Zealand

Patent No. 511555 Method, system and computer program for auditing financial plans Patent No. 512967 Internet communications and presentation software and method Patent No. 546616 Method and system for financial advising

Republic of Singapore

Patent No. 122091 Method and system for financial advising

Other patents pending.