Disclaimer

Effective Date: 12/9/2010 11:14:41 AM PST

Gifford Fong Associates makes no representations that the information contained herein is accurate, reliable, complete, or appropriate for use by all users in all locations. Any reports referenced herein and any results derived from their use provided herein are intended for informational purposes only and should not be regarded as an offer to sell or a solicitation of an offer to buy the products or securities to which it applies. All levels, prices and spreads are historical and do not represent current market levels, prices or spreads, some or all of which may have changed since the publication of this document. You should consult with your own accounting, legal or other advisors as to the adequacy of this information for your purposes; All information is provided as is without warranty of any kind. Because of the possibility of human and mechanical errors as well as other factors, neither Gifford Fong Associates nor its employees are responsible for any errors or omissions in the information contained herein. Gifford Fong Associates makes no representations and disclaims all express, implied and statutory warranties of any kind to the users and /or any third party, including any warranties of accuracy, timeliness, completeness, merchantability and fitness for a particular purpose. Gifford Fong Associates or its employees shall have no liability in any way to you or any other entity for any loss or damage, direct or indirect, arising from the use of the information contained herein, even if Gifford Fong Associates or an authorized Gifford Fong Associate representative has been advised of the possibility of such damages. Not all products or services mentioned in this notification are available in all jurisdictions. No offers, sales, resales, or delivery of any products or services described herein or any offering materials relating to any such products or services may be made in or from any jurisdiction except in circumstances which will result with compliance with any applicable laws and regulations and which will not impose any obligations on Gifford Fong Associates or its employees.