 Information about the investment products contained in this presentation is solely for informational purposes and does not constitute a specific recommendation of either an offer to sell or the solicitation of an offer to buy any investment. Any specific investment terms are indicative only and may not reflect an actual investment that is, or will be, available for purchase from StockCross Financial Services, Inc. The information herein is not, and is not intended to be, a complete discussion of all material information you should know about any investment or investment class. You should carefully read the relevant prospectus and related supplements or other offering documents prior to making a purchase. You should not rely on the information contained in this presentation in connection with the purchase of any investment product.  There shall be no sale of the investments discussed herein in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction.  The investments or strategies referenced do not take into account the investment objectives, financial situation or particular needs of any specific person. Product suitability must be determined for each individual investor. It is your responsibility to verify any information contained in this presentation before making any investment decision.

 Common Stock represents a proportional ownership interest in a corporation  Common Stock holders have rights to: The profits of the corporation (paid through dividends or reinvested as retained earnings) Vote Assets upon liquidation Any new issues of the stock of the same class (preemptive rights) Inspection of the corporation’s books Limited Liability (can not lose more than invested) Transfer shares at-will (liquidity)

 Bankruptcy: Common stockholders are the last to be paid upon the liquidation of a company.  Economic: Factors outside the company’s control (such as changes in interest rates) can affect the profitability of a corporation.  Volatility: Common stock prices can increase or decrease greatly and suddenly.

 Capital Appreciation: The ability to sell a stock for a greater price than it was purchased at over time.  Dividends: If declared, dividend payments can provide the holder with income.  Speculation: The volatility of common stocks can allow for greater gains in a short period of time (with heightened risk).

 Blue Chip: Well-established companies that often pay dividends regardless of market conditions.  Growth: Companies that are growing steadily and generally do not pay dividends.  Emerging Growth: Companies in the early stages of growth. Generally do not pay dividends. Greater risk by holder assumed for chance of higher capital appreciation.

 Income: Companies that pay relatively higher dividends. Often mature companies (i.e. Utility Companies)  Cyclical: Companies that are dependent on overall economic conditions. They generally fluctuate with overall changes in the market.  Defensive: Companies that are relatively unaffected by changes in the overall market.  Speculative: Companies with little or no earnings. Very risky and appeal to investors willing to take greater risk for potential returns (often referred to as ‘Penny Stocks’)

 Fundamental Analysis (aka Qualitative Analysis) considers the financial results of a company  Analyzes the company’s balance sheet, income statement, and management for profitability, cash flow, etc.  Also considers overall economic factors, industry-specific risks, and supply and demand factors related to the company

Company A Net Income: $15M Cash Flow YTD: +$1M Industry Predictions: Strong Growth Management: All >20 years experience with strong credentials Company B Net Income: $1M Cash Flow YTD: +$20,000 Industry Predictions: Low Growth Management: All <10 years experience, no previous experience in industry. D ue to the higher income, cash flow, industry growth, and management experience a fundamental analyst would put a greater value (i.e. higher price) on Company A.

 Technical Analysis (aka Charting) analyzes the price patterns of a security to determine when to buy or sell.  Technical analysis consider volume to be a strong factor when utilizing charting techniques. For example, a trend on high volume has more significance than a trend on low volume.

 An Up-Trend occurs when a stock is steadily advancing in price over time.  Although the prices rises and falls, overall it is increasing in price.  Considered a sign of further price increases.

 A Down-Trend occurs when a stock is steadily declining in price over time.  Although the prices rises and falls, overall it is decreasing in price.  Considered a sign of further price decreases.

 Support Level: A price that attracts buyers and price of stock generally does not fall below this level.  Resistance: A price that attracts sellers and the price of the stock generally does not go above this level.  A stock price that breaks a support or resistance level will generally continue on the downward or upward trend according to technical analysis.

 Odd-Lot Theory: Those that purchase less than 100 shares (odd lots) are usually wrong. Odd-Lot Theorists sell when odd-lot volumes increase on a stock.  Efficient Markets Theory (aka Random Walk Theory): Assumes that the market is efficient. Believes that one should invest in a diversified portfolio as other analyses cannot create greater gains than overall market gains.

 Dividend Discount Model: A mathematical model that estimates the price of a stock based on expected future dividend payments.  Dow Theory: A major trend in the market only occurs when the Dow Jones Industrial Average and Dow Jones Transportation Average reach a new high or low.

 In 1792, only 5 Stocks were traded in New York City. In 2001, trading volumes topped 2 Billion Shares in single day.  The current building housing the New York Stock Exchange was opened on April 22,  In 1985, Ronald Reagan was the first U.S. President to visit the New York Stock Exchange while in office. Information on this slide provide by

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