This site has been designed for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security which may be referenced upon the site. Such offers can only be made where lawful under applicable law. Cooperative Financial does not intend to provide investment advice through this site and does not represent that the securities or services discussed are suitable for any investor. Investors are advised not to rely on any information contained on the site in the process of making a fully informed investment decision. Cooperative Financial does not, and this site does not intend to render tax or legal advice. Certain portions of this website (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of and/or provide access to Cooperative Financial (and those other investment and non-investment professionals) positions and/or recommendations of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). At certain places on our website, we offer direct access or 'links' to other internet websites. These sites contain information that has been created, published, maintained or otherwise posted by institutions or organizations independent of Cooperative Financia. Cooperative Financial does not endorse, approve, certify or control these websites and does not assume responsibility for the accuracy, completeness or timeliness of the information located there. Visitors to these websites should not use or rely on the information contained therein until consulting with an independent finance professional. Cooperative Financial does not necessarily endorse or recommend any commercial product or service described at these websites.