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You are accessing reports via Palladium’s password protected portal. The portal also provides the ability to access other account-related data not included on your quarterly report. By accessing the portal you agree that such access will not be construed as the receipt of personal advice from Palladium. To the extent that you have any questions regarding any such additional data, Palladium remains available to address them.

*Gross of Fees: When presented, account performance is gross of Palladium’s investment management fee. If the deduction of Palladium’s investment management fee was reflected on the report, the impact would be to decrease reflected performance results. For example, a 1% annual fee debited over a 10-year period would reduce a 10% annual gross return to an 8.9% net return.