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A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm English Español A PERSONAL relationship between YOU, your FINANCIAL ADVISER and the GLOBAL FINANCIAL MARKETS

A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

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Page 1: A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm

English Español

A PERSONAL relationship between YOU, your FINANCIAL ADVISER and the GLOBAL FINANCIAL MARKETS

Page 2: A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

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Our Vision

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"The art of investing has one characteristic that is not generally appreciated. A credible, if unspectacular, result can be achieved by the lay investor with a minimum of effort and capability; but

to improve this easily attainable standard requires much application and more than a trace of wisdom." (Benjamin Graham, The Intelligent Investor).

FINSER International Corporation is a Registered Investment Advisor (RIA) with more than 20 years of profitable history, advising and assisting our clients in achieving their financial goals.

Extensive knowledge of finance and international stock markets coupled with a vast array of worldwide networks within the Asset Management Industry, allow our team of professionals to assist you and your family to build the rewards you deserve.

At FINSER International Corporation we not only provide solutions to your specific matters, but also strive to grant you with a financial stability that will allow you to live a comfortable life.

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Page 3: A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

At FINSER International Corporation, our Vision is to be recognized as a global Financial Adviser Company, with a solid and professional track record. A provider of important valued added products to our clients, custom made to their specific needs with emphasis on a high quality and personalized attention.

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Page 4: A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

"The Art of successful investing lies first in the choice of those industries that are most likely to grow in the future and then identifying the most promising companies

in these industries." (Benjamin Graham, The Intelligent Investor).

Our staff of professional and experienced financial advisors are at your service in order to provide you with exactly what you need in terms of designing a custom made investment portfolio based on your specific objectives.

At FINSER International Corporation we are committed to providing you with the service that will make you feel comfortable and secure.

Designing you Investment Portfolio

Our Services

Designing your PortafolioOur Services

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Page 5: A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

Designing your Investment Portfolio: A proven methodology

Our Services

1. Determine your Investment Objectives Our main concern is You, the CLIENT, not your investment capacity.

2. Determine you level of risk tolerance Your tranquility and comfort with your investments.

3. Understanding the historic returns of each underlying asset To anticipate and adapt to your needs.

4. Determine your investment horizon/time frame Establish the time frame for your investments according to your

specific needs.5. Determine an adequate distribution and diversification of your investments

Maintain an open architecture, seeking solutions to your specify needs and investment style.

Diversification of your portfolio thru the use of a variety of financial instruments.

6. Periodic evaluation of achieved goals Our dedication is towards our Clients and their satisfaction.

Our clients only deserve the best financial services they can get…That is why they are our clients.

Designing your PortafolioOur Services

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Page 6: A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

How can we assist you…1. Maintain you current account with your trusted Financial Institution

FINSER will review your portfolio and suggest changes according to your investment profile

2. Attractive returns, low riskFINSER will research, evaluate and suggest alternative investments

with attractive returns and a low risk.3. Equity, Options or Fixed Income

Thru research and with the advise of FINSER, you may invest in Equity, Options or Fixed Income instruments that are in line with your investment objectives and risk tolerance.

4. Alternative Investment FundsAn investment with a top performing Hedge Fund or Fund of Funds

will allow you to access the best available Alternative Investment Funds that will provide excellent returns over time.

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Receive our News and Reports

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By clicking “SUBMIT” you understand and accept our terms and conditions. Our reports are based on information available to the public and of sources deemed to be reliable. However, no guarantees can be made about the exactness of the information, which could be incomplete or condensed. The opinions are of the author on the date it was sent or received, and may change without the need of notification. Our reports are only for information purposes and the intention is not to offer or to solicit the purchase or sale of any security or investment.

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Inicio

Nuestra Visión

Nuestros Servicios

Regístrese para recibir nuestros reportes

"El Arte de Invertir posee una característica poco apreciada. Un resultado creíble y hasta espectacular, puede ser alcanzado con poco esfuerzo y capacidad por un inversionista aficionado; pero para mejorar un rendimiento que cualquiera puede lograr, se requiere de mucha disciplina y

sabiduría." (Benjamin Graham, The Intelligent Investor).

FINSER International Corporation es una empresa de Asesoría Financiera Independiente, registrada ante la “Securities & Exchange Commission (SEC)” (Comisión Nacional del Mercado de Valores) en los Estados Unidos de Norteamérica, con más de 20 años de exitosa trayectoria profesional, asesorando y asistiendo a nuestros clientes en el logro de sus objetivos financieros.

El conocimiento profundo y sólido de la economía internacional y una red amplia de Asesores Financieros asociados, permite que nuestro equipo profesional le ayude a construir un robusto plan de inversiones que le garanticen a usted y a su familia la tranquilidad financiera que se merecen.

En FINSER International Corporation no solo le brindamos soluciones a sus necesidades específicas, también nos esforzamos en garantizar una estabilidad financiera que le permita disfrutar un confortable estilo de vida.

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Page 11: A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

En FINSER International Corporation, nuestra Visión es ser reconocida como una empresa financiera a nivel internacional con un una sólida trayectoria, proveedora de productos de valor agregado diseñados a la medida de las necesidades específicas de nuestros clientes y con marcado énfasis en una atención personalizada de alta calidad.

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"El arte de invertir exitosamente radica principalmente en seleccionar las industrias con mayor potencial de crecimiento a futuro y, dentro de esas

industrias, identificar las empresas que tengan la mayor probabilidad de éxito." (Benjamin Graham, The Intelligent Investor).

Nuestro equipo de profesionales con amplia experiencia está a su disposición para brindarle la asesoría que usted necesita en materia de inversiones financieras, diseñándole una cartera personalizada y adecuada a sus necesidades específicas en base a su perfil, posible margen/límite de riesgo y requisitos de capital. En FINSER International Corporation, nuestro compromiso es ofrecerle un nivel de servicio que le garantice bienestar y seguridad

DISEÑO DE SU PORTAFOLIO DE INVERSIONES

NUESTROS SERVICIOS

DISEÑO DE SU PORTAFOLIO

NUESTROS SERVICIOS

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Page 13: A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

NUESTROS SERVICIO

Diseñando su Portafolio de Inversiones: Una Metodología Comprobada

1. Determinar sus objetivos de Inversión Nos interesa EL CLIENTE, por encima de su capacidad de inversión.

2. Determinar su nivel de tolerancia al riesgo Su Tranquilidad a la hora de Invertir.

3. Entender los retornos históricos de cada tipo de activo financiero PREVENCIÓN y ADAPTACIÓN a sus necesidades.

4. Determinar su horizonte de inversión Establecimiento de los lapsos de tiempo de sus inversiones, según sus

necesidades.5. Establecer una distribución adecuada de sus activos financieros

Mantenemos un Arquitectura Abierta, buscando soluciones que se adapten a su estilo.

Diversificamos las inversiones mediante la utilización de una variedad de instrumentos financieros.

6. Realizar un seguimiento periódico de las metas alcanzadas Nuestra DEDICACIÓN principal es hacia nuestros clientes.

Nuestros clientes merecen el mejor de los servicios financieros…Por eso son nuestros clientes.

Regístrese para recibir nuestros reportes

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1. Mantenga su actual cuenta con la Institución Financiera de su Confianza Nuestros Asesores evaluaran su cartera de Inversiones , sugiriéndole

cambios pertinentes que se adecuen a su Perfil de Inversión.2. Inversiones Atractivas, bajos Riesgos

FINSER realizará una investigación a fin de localizar las inversiones más idóneas a su Perfil y Tolerancia al Riesgo.

3. Acciones, Opciones Financieras y renta Fija A través de una detallada investigación y con la asesoría de nuestro

equipo de profesionales, FINSER le sugerirá el balance adecuado de acciones, bonos de renta fija u opciones financieras que le permitan alcanzar su objetivo.

4. Inversiones Alternativas Una inversión en un Fondo de Cobertura (Hedge Fund), o en un

Fondos de Fondos le permitirá acceder a las mejora Inversiones Alternativas, otorgándole excelentes retornos en el tiempo.

Cómo podemos Asistirle…Inicio

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Reciba nuestros Reportes y Noticias

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Dirección de Correo Electrónico

Empresa

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Al presionar “ENVIAR”, Usted Entiende y Acepta nuestros Términos y Condiciones. El contenido de nuestros reportes esta basado en información disponible al público en general y de fuentes que se consideran confiables. No obstante, no se garantiza la exactitud de la información, la cual puede estar incompleta o condensada. Las opiniones son del autor a la fecha de su envío, y estas pueden cambiar sin deber de notificación. Nuestros reportes tienen como objetivo el de informar y su intención no es la de ofrecer o solicitar la compra/venta de algún título o bien.

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Al presionar “ENVIAR”, Usted Entiende y Acepta nuestros Términos y Condiciones.(Presione “Términos de Uso” y “Política de Privacidad”).

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Page 18: A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

Terms of useFinser International Corporation, its subsidiaries and affiliates (collectively, “FINSER”), requires all visitors to this website and the sites owned and operated by FINSER on the World Wide Web, (collectively, the “Website”) to adhere to the following terms and conditions. By accessing and/or using the Website and the information, content, forms, photographs, graphics, software or other products or services available by or through the Website (the “Content”), you acknowledge that you have read and agree to be bound by these Terms of Use (the “TOU”), and that, to the extent applicable, the TOU supplements your existing Client Agreement(s), if any, with FINSER. Please read the following terms and conditions carefully. 1.Parties. As used herein, the term "You" and "Your" shall mean You, individually, and each other party on whose behalf You may Use the Website at any time. All references to "We", "Us" or "Our" shall refer to FINSER. The Website is operated by FINSER Financial, Inc.2.Usage and Proprietary Rights. All right, title and interest in this Website and the Content is the exclusive property of FINSER, except as otherwise expressly stated. We grant You, for the term of this TOU, a personal, limited, non-exclusive, revocable (at any time), non-transferable and non-sublicenseable license to access the Website and the Content subject to this TOU. You have no ownership rights in the Content, which is owned by Us or Our licensors, and are protected under copyright, trademark and other intellectual property laws and other applicable laws. You receive no copyright or any other intellectual property right in or to the Content, except as provided above. You may use the Content only for Your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any Content, including, but not limited to, any information, software, products or services obtained from the Website, except for the purposes expressly provided herein, without Our prior written approval. You acknowledge that We may provide certain portions of the Content under license from Third Party Providers, and You agree to comply with any additional restrictions on Your usage that We may communicate to You from time to time, or that are otherwise the subject of an agreement between You and such licensors. We retain exclusive control over the Content, and reserve the right, at any time and in Our sole discretion, without prior notice to You, to (a) change, suspend or discontinue all or a portion of the Content; (b) impose limits on, restrict or terminate Your access to all or a portion of the Content; or (c) terminate Your license at any time and for any reason. You agree that We may monitor Your use of the Content.3.Restricted Content. All trademarks, service marks, slogans, logos, trade dress and other identifiers (“Marks”) displayed on the Website are the property of FINSER, or of other parties. The names of other companies and third party products or services mentioned on the Website may be the trademarks or service marks of their respective owners. The Marks are protected by U.S. and foreign trademark, common law rights and statutes. You are prohibited from using any Marks for any purpose including, but not limited to, use on other materials, in presentations, as domain names, or as metatags, without the express written permission of FINSER or such other party that may own the marks.4.Copyright Notifications. Pursuant to Section 512(c)(2) of the Copyright Act, FINSER designates the following agent to receive notifications of claimed infringement: Avila Rodriguez Hernandez Mena & Ferri LLP, 2525 Ponce de Leon Blvd., Penthouse 1225, Coral Gables, Florida 33134, [email protected] Terms. Certain sections of or Website may contain separate terms and conditions, which are in addition to these TOU. You should read those additional terms and conditions carefully. By accessing such sections or pages, you agree to be bound by those terms and conditions. In the event of a conflict, those additional terms and conditions will govern your Use of those sections or pages. You may be asked to execute supplemental agreements, in paper or electronic form, before You are permitted to access or use certain features or functionality within the Website (each, a "Supplemental Agreement"). In the case of Supplemental Agreements presented to You online, You authorize Us to rely upon "checks" or “clicks” in designated locations that are attributable to Your Password as Your consent to the terms of such Supplemental Agreements. This TOU is in addition to any Supplemental Agreement and is not intended to supersede or modify any such Supplemental Agreement.6.No Investment Advice or Offers. Nothing in the Website constitutes investment advice, including FINSER filings with the Securities and Exchange Commission, or recommendations as to the suitability of any specific product or security. All Content is provided for Your convenience and information only, and no such Content shall constitute an offer to sell or a solicitation of an offer to buy any security. Prior to the execution of any transaction by You involving information You received from this Website, You should consult your financial, business, tax and accounting advisors and your attorney, with respect to the price, suitability, value, risk or other aspects of any stock, mutual fund, security or other investment. Pricing and other information generated through the use of data or services made available herein may not reflect actual prices or values that would be available in the market at the time provided or at the time that the user may want to purchase or sell a particular security or other instrument. The Content provided on this Website are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where FINSER is not authorized to provide such information or services.7.Market Information. We may make available to you through the Website a broad range of financial information that we obtain from our agents, vendors or partners ("Third Party Providers"). This may includes financial market data, quotes, news, analyst opinions and research reports (collectively, "Market Information"). We do not endorse or approve the Market Information, and we make it available to you only as a convenience. FINSER and our Third Party Providers do not (a) guarantee the accuracy, timeliness, completeness or correct sequencing of the Market Information; or (b) warrant any results from your use or reliance on the Market Information. Market Information may quickly become unreliable for various reasons including, for example, changes in market conditions or economic circumstances. Neither Us nor the Third Party Providers are obligated to update any information or opinions contained in any Market Information, and we may discontinue offering Market Information at any time without notice. You agree that neither FINSER nor the Third Party Providers will be liable in any way for the termination, interruption, delay or inaccuracy of any Market Information. You will not redistribute or facilitate the redistribution of Market Information, nor will you provide access to Market Information to anyone who is not authorized by FINSER to receive it. If You are a securities broker, dealer, banker or investment advisor, You agree not to use the Market Information provided by Us for any purpose related to your business.8.Dated and Forward-Looking Statements. Certain information on the Website may contain certain forward-looking statements, which are subject to risks and uncertainties and speak only as of the date on which they are made. The words “believe”, “expect”, “anticipate”, “optimistic”, “intend”, “aim”, “will” or similar expressions are intended to identify forward-looking statements. You are cautioned not to place undue reliance on these forward-looking statements. Any dated information is published as of its date only. Dated and forward-looking statements speak only as of the date on which they are made. We undertake no obligation to update publically or revise any dated or forward-looking statements.9.Unauthorized Use. Unauthorized use of the Website, Content, or Our systems, including, but not limited to, unauthorized entry into Our systems, misuse of passwords or misuse of any other information, is strictly prohibited. Access to and use of password protected and/or secure areas of the Website is restricted to authorized users only. Unauthorized persons attempting to access these areas of the Website may be subject to prosecution. You may not use the Website or the Content in any manner that could damage, disable, overburden, or impair any FINSER website or service or interfere with any other party’s use and enjoyment of the Website or the Content. You shall not introduce, nor permit any person to introduce into the Website or Content, any code or malicious or hidden mechanisms that would impair the operation of the Website or Content, or of Our computers, networks, or other devices or software. FINSER prohibits caching, unauthorized hypertext links to the Website, and the framing of any Content available on the Website. We reserve the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the Content available on any other websites linked to Our Website.

10.Third Party Links. Certain links may let you leave the FINSER Website. The linked websites are not under the control of FINSER and We are not responsible for the content of any linked website or any link contained in a linked website, or any changes or updates to such websites. FINSER is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement, investigation, verification or monitoring by Us of such third party website.11.Change to Terms and Conditions. We reserve the right to add, delete or otherwise modify the TOU (or any Supplemental Agreements) at any time without notice to You. The most current version of the TOU can be reviewed by clicking on the “Terms of Use” link located at the bottom of this Website. Any continued use of the Website after such additions, deletions or modifications shall be deemed to constitute acceptance by you of the additions, deletions or modifications.12.Representations and Warranties. You represent and warrant, each time You access the Website or use the Content, that (a) You have the power and authority (including under any applicable investment restrictions or guidelines and on behalf of any party for whom You are using the Services) to enter into and perform Your obligations under this TOU and this TOU is Your legal, valid, binding and enforceable obligation; (b) You have agreed to be bound by the terms of this TOU; (c) You shall only use the Website and the Content in accordance with this TOU, any applicable Supplemental Agreement and applicable law; and (d) if You are accessing the Services on behalf of another party, You assume all fiduciary, regulatory and other requirements and duties that may apply to Your relationship to such party.13.DISCLAIMER OF WARRANTIES. THE Services on this Website are provided on an “as is,” “Where is” and “Where available” basis. ALTHOUGH FINSER TRIES TO PROVIDE ACCURATE AND TIMELY INFORMATION on its website, THERE MAY BE INADVERTENT TECHNICAL OR FACTUAL INACCURACIES AND TYPOGRAPHICAL ERRORS. FINSER RESERVES THE RIGHT TO MAKE CHANGES AND CORRECTIONS AT ANYTIME AND WITHOUT NOTICE. NEITHER WE NOR ANY THIRD PARTY PROVIDER THAT CONTRIBUTES IN ANY MANNER TO THE CONTENT MAKES ANY REPRESENTATION OR WARRANTY WHATSOEVER, INCLUDING WARRANTIES (A) WITH RESPECT TO THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE CONTENT; OR (B) THAT THE CONTENT SHALL BE UNINTERRUPTED OR ERROR FREE. FURTHER, WE AND ANY THIRD PARTY PROVIDER THAT CONTRIBUTES IN ANY MANNER TO THE CONTENT DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE RELATING TO THE CONTENT. YOU ASSUME THE ENTIRE RISK TO THE USE OF THE WEBSITE AND THE CONTENT.14.LIMITATION OF LIABILITY. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL FINSER FINANCIAL, INC. OR ITS AFFILIATES, SUBSIDIARIES OR CONTROLLING ENTITIES OR THEIR THIRD PARTY PROVIDERS, CONTRACTORS OR TECHNOLOGY OR CONTENT PROVIDERS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, OWNERS, AGENTS AND EMPLOYEES (THE "FINSER PARTIES") HAVE ANY LIABILITY TO YOU OR ANY OTHER PERSON FOR ANY COSTS, LIABILITIES OR DAMAGES OF ANY KIND, WHETHER DIRECT, INDIRECT, (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE CONTENT, INCONVENIENCE OR DELAY), CONSEQUENTIAL OR PUNITIVE (TOGETHER, "COSTS"), ARISING OUT OF, OR IN CONNECTION WITH, THIS TOU OR THE PERFORMANCE OR BREACH OF THIS TOU, YOUR OR ANY OTHER PERSON’S USE OF, OR INABILITY TO ACCESS THE CONTENT, OR FOR ANY INTERCEPTION BY THIRD PARTIES OF ANY INFORMATION OR SERVICE MADE AVAILABLE TO YOU VIA THE WEBSITE. THESE LIMITATIONS SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER BASED ON STATUTE OR ARISING IN CONTRACT, INDEMNITY, WARRANTY, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE), REGARDLESS OF WHETHER ANY FINSER PARTY KNOWS OR HAS REASON TO KNOW OF THE POSSIBILITY OF SUCH DAMAGES, AND WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF FINSER OR ANY THIRD PARTY PROVIDER OF SOFTWARE OR SERVICES. THIS LIMITATION OF LIABILITY IS IN ADDITION TO ANY OTHER LIMITATION PROVIDED IN ANY APPLICABLE ACCOUNT SERVICE, SUPPLEMENTAL AGREEMENT OR ANY OTHER AGREEMENT. This limitation oF liability includes, but is not limited to, the transmission of any viruses which may infect a user's equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure.15.Your indemnification Obligations. You agree to defend, indemnify and hold FINSER, and its directors, officers, employees, and agents harmless from and against all claims and expenses, including attorneys’ fees, arising out of the use of the Website, or its Content, by You.16.Governing Law. This TOU will be governed by Florida law without giving effect to principles of conflict of law. Any party bringing legal action or proceeding against the other for any dispute or controversy between the parties arising out of or relating to this Website, the Content, or the use thereof, shall bring the legal action or proceeding (i) in the United States District Court for the Middle District of Florida; or (ii) in any court of the State of Florida sitting in Miami-Dade county, if there is no federal subject matter jurisdiction. You acknowledges that any violation of the terms of this TOU, or misuse of the Website or the Content, or infringement of any Mark may cause FINSER irreparable harm, the amount of which may be difficult to ascertain, and therefore You agree that FINSER shall have the right to apply to a court of competent jurisdiction for an order enjoining any such further misappropriation and for such other relief as FINSER deems appropriate. This right of FINSER is to be in addition to the remedies otherwise available to FINSER.17.Waiver of Trial by Jury. EACH PARTY, TO THE EXTENT PERMITTED BY LAW, KNOWINGLY VOLUNTARILY AND INTENTIONALLY WAIVES ITS RIGHT TO A TRIAL BY JURY IN ANY ACTION OR OTHER LEGAL PROCEEDING AGAINST THE OTHER FOR ANY DISPUTE OR CONTROVERSY BETWEEN THE PARTIES ARISING OUT OF OR RELATING TO THIS WEBSITE, THE CONTENT, OR THE USE THEREOF. THIS WAIVER APPLIES TO ANY ACTION OR LEGAL PROCEEDING, WHETHER SOUNDING IN CONTRACT, TORT OR OTHERWISE.18.Third Party Beneficiaries. To the extent the Content contains data or information provided by Third Party Providers or are otherwise contributed to by Third Party Providers, such Third Party Providers shall be considered third party beneficiaries of this TOU for purposes of Sections 12, 13 and 14.19.Assignment; Waiver. You may not assign, sublicense, delegate, subcontract or otherwise transfer Your rights, duties and obligations under this TOU to a third party without Our express written consent. Any instrument purporting to make an assignment or other transfer in violation of this provision shall be null and void. Any forbearance or delay on the part of either party hereto in enforcing any provision of this TOU or any of its rights hereunder shall not be construed as a waiver of such provision or of a right to enforce same for such occurrence or any future occurrence.20.Entire Agreement. This TOU, together with any and all Supplemental Agreements and applicable Account or Client Agreements, constitute the entire agreement between You and Us with respect to your use or access of the Website or the Content.21.Severability. If for any reason a court of competent jurisdiction finds any provision of this TOU, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of this TOU, and the remainder of this TOU shall continue in full force and effect.22.Miscellaneous. Any cause of action with respect to the Website or the Content must be commenced by You within one year after the claim or cause of action arises. The rights and remedies of the parties hereunder are cumulative and are in addition to, and not in lieu of, all rights and remedies available at law and in equity.23.Commitment to Privacy. FINSER is committed to protecting confidentiality of the information furnished to You. Our Privacy Policy may be reviewed at any time by clicking bellow “Privacy Policy”.

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Page 19: A Securities and Exchange Commission (SEC) Registered Investment Advisory Firm EnglishEspañol A PERSONAL relationship between YOU, your FINANCIAL ADVISER

Maintaining your trust and confidence is a high priority. That's why we want you to understand how your privacy is protected. This Privacy Notice is issued by Finser International Corporation.In connection with providing you with investment advisory services, we collect nonpublic personal information about you such as, as applicable, your name in combination with your social security number, driver’s license number, passport number or other government-issued identification number, date of birth, assets, income, tax information, beneficiary information, personal bank account information, account numbers for other financial accounts you may hold, and transactional history. We collect such information from your account application and other forms that you may deliver to us and from the securities transactions executed in your advisory accounts. This is information that regulators consider necessary for the proper servicing of your account. We restrict access to nonpublic personal information about you to only those employees who need to know that information to provide products and services to you, and we maintain physical, electronic, and administrative safeguards that comply with federal standards to maintain the security of your nonpublic personal information.In order to manage your investment portfolio(s), effect transactions in your advisory account, and to service your account properly, we may disclose all of the information that we collect, as described above, to firms that assist us in servicing your account, such as the executing broker/dealer(s), their clearing broker/dealer(s), and any other custodian you may appoint. All records containing your nonpublic personal information are kept at our offices and may also be kept at those companies with whom we associate in order to service your account, including the executing broker/dealers. These service providers are required to protect the confidentiality of your information and to use the information only for the purposes for which disclosure to them is made. Your nonpublic personal information may be shared among the entities described in this Privacy Notice, their affiliates, and their non-affiliates who provide transfer agent services, custody services, clearing services or other services related to the management and servicing of your account. We do not share nonpublic personal information about present or former customers to non-affiliated third parties other than those identified in this Privacy Notice, except as permitted or required by law to, for example: effect, administer or enforce a transaction in your account; protect the security and integrity of our records; protect our rights and property and the rights and property of others; take precautions against liability; respond to claims that your information violates the rights and interests of third parties; take actions required by law or to respond to judicial process; assist with detection, investigation or reporting of actual or potential fraud, misrepresentation or criminal activity; and provide information to law enforcement agencies or for an investigation on a matter related to public safety.If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices set forth above.If you have any questions concerning our privacy policies, please contact us.

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