Brandywine Financial Group, Inc. (Brandywine Financial Group) is a registered investment adviser with the United States Securities and Exchange Commission and pursuant to pertinent laws and regulations, also maintains a "notice filing" with several other states.

Some Advisors at Brandywine Financial Group, Inc. are Registered Representatives of, and offer securities products through, American Portfolios Financial Services, Inc. Member NASD/SIPC, a registered broker dealer. In this regard, this communication is strictly intended for individuals residing in the states of Pennsylvania (PA), New Jersey (NJ), New York (NY), Delaware (DE), California (CA), Florida (FL), Hawaii (HI), Louisiana (LA), Maine (ME), Maryland (MD), North Carolina (NC), South Carolina (SC), Utah (UT), Virginia (VA), Washington (WA), Massachusetts (MA), Ohio (OH) and Nevada (NV). No offers may be made from or accepted from any resident outside of the specific states referenced. Raymond N. Carota, President is also separately registered as an investment advisor under Brandywine Financial Group, Inc. a registered investment advisor registered with the Securities Exchange Commission. As such, these services are strictly intended for individuals residing in states where we have noticed filed: Pennsylvania and New Jersey.

IMPORTANT CONSUMER INFORMATION

A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion.

For more information concerning the licensing status or disciplinary history of broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

NO OFFER: Nothing on the Brandywine Financial Group website should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction. Brandywine Financial Group does not render or offer to render personalized investment advice or financial planning advice through the Brandywine Financial Group website. Brandywine Financial Group's specific advice is given only within the context of our contractual agreements with each client. The Brandywine Financial Group website is limited to the dissemination of general information about Brandywine Financial Group's service offerings, and provides as alternative method for prospective clients to learn more about Brandywine Financial Group, and contact Brandywine Financial Group. Advice may only be rendered at least 48 hours after the delivery of Form ADV-Part II, the execution of an investment advisory agreement by the client and the advisor, and the initial payment of the investment advisory fee by the client to the advisor.

NO RELIANCE: While Brandywine Financial Group uses reasonable efforts to obtain information from sources which it believes to be reliable, Brandywine Financial Group makes no representation that the information or opinions contained on the Brandywine Financial Group website are accurate, reliable or complete. The information and opinions contained in the Brandywine Financial Group website are provided by Brandywine Financial Group for personal use and informational purposes only and are subject to change without notice. Nothing contained on the Brandywine Financial Group website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. Brandywine Financial Group’s specific advice is given only within the context of our contractual agreements with each client.

LINKED WEBSITES: This website contains links to other websites to further educate you on financial topics. The web site links on this site contain information created and maintained by that organization, independent of Brandywine Financial Group. Brandywine Financial Group does not make any representations or warranty, either expressed or implied, concerning the accuracy, completeness, or timeliness of information contained therein, nor is Brandywine Financial Group liable for any direct or indirect technical or system issues or any consequences arising out of your access to or uses of third-party technologies, sites, information, and programs made available through this site. Use of any information from these sites is voluntary, and reliance on such information should only by made after an independent review of its accuracy. Reference to specific commercial products or services in these sites does not constitute or imply endorsement by Brandywine Financial Group. By clicking these hyperlinks, you will leave the Brandywine Financial Group website and you assume total responsibility and risk for the site(s) you are linking to.

PASSWORD-PROTECTED AREAS: Some of the material in Brandywine Financial Group's website, notably under ACCOUNTS, is password-protected and access to these areas is restricted to authorized users only. For example, the TD AMERITRADE site is password-protected for Brandywine Financial Group's clients only. The user is responsible in password-protected areas for any use of the password and for maintaining the confidentiality of the password.

DOWNLOADED MATERIAL FROM WEBSITE: You may download or print out a hard copy of individual pages and/or sections of the Brandywine Financial Group website, and files made available for download, provided that you do not remove any logos or other proprietary notices. Any downloading or otherwise copying from the Brandywine Financial Group website will not transfer title to any software or material to you. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for a public or commercial purpose the Brandywine Financial Group website without prior written permission of Brandywine Financial Group.