IMPORTANT NEW CUSTOMER DISCLOSURES AND AGREEMENT TO ARBITRATE:

(2) All readers of Collectors Hard Asset Insider are advised to independently verify all representations made herein or by its representatives for your individual suitability before making your investment or collecting decisions.

(3) Coin collecting and investing are only meant for those who are personally and financially suited. First Fidelity Reserve does not recommend financing any purchase or spending more than you can afford to lose if your investment goes down in value. Numismatic purchases are affected, in part, by economic and market conditions. While First Fidelity Reserve’s competitive pricing, margins and market strategy approach the market with specific attention to the areas we recommend, we impress upon the customer to perform his or her own due diligence in deciding on the amount and type of their numismatic position and independently verify all representations.

(4) As with all investments, the value of the coins could go up or down. First Fidelity Reserve and its representatives do not offer any implied or assumed promises.

(5) First Fidelity Reserve considers coin collecting and investment to be a mid to long term investment. As with all investments, past performance is not a guarantee of future returns. Further, you understand the coin market is speculative and unregulated and you could lose money if you have to sell these coins in the short run, say a year or two. First Fidelity Reserve recommends a hold time of five to ten years or more. While offering no guarantee of growth in any time frame, First Fidelity Reserve wants the customer to understand that holding numismatic coins shorter than the recommended hold time could result in losses, while longer holding periods, such as 5-10 years or more increase the chances a coin’s value can rise.

(6) 100% Customer Satisfaction Guarantee: If you are not 100% satisfied with your purchase, you may return it in its original packaging within fifteen (15) days of receipt for a full refund except on special orders or bullion orders.

(7) Other returns of numismatic items may be subject to restocking fee of up to 20%.

(8) Our policy is that payments for refunds on coins received and confirmed for liquidation will be processed in 10-15 business days unless specified otherwise by management in writing.

(9) Although many areas of numismatics lend themselves to third party grading and authentication, third party certification does not eliminate all risks associated with the grading of coins.

(10) Arbitration: First Fidelity Reserve strives to handle customer complaint issues directly with customer in an expeditious manner. In the event an amicable resolution cannot be reached, you agree to accept binding arbitration. Any dispute, controversy, claim or disagreement arising out of or relating to transactions between you and First Fidelity Reserve shall be resolved by binding arbitration pursuant to the Federal Arbitration Act and conducted in Beaumont, Jefferson County, Texas. It is understood that the parties waive any right to a jury trial. Judgment upon the award rendered by the Arbitrator may be entered in any court having jurisdiction thereof.

(11) In order to stay abreast of changing market conditions, First Fidelity Reserve may contact you from time to time regarding items of interest.

(12) All phone conversations between you and First Fidelity Reserve are recorded.

(13) All transactions and communication between First Fidelity Reserve, its employees, and you are only conducted through First Fidelity Reserve business address and business telephone numbers.

(14) You understand and acknowledge First Fidelity Reserve employees cannot receive gifts from customers.

(15) You understand it is your responsibility to contact the First Fidelity Reserve customer Service Hotline and speak with a manager regarding any issues or complaints that you may have. The toll free First Fidelity Reserve Customer Service Hotline is 877-877-2256.

(16) Some experts recommend that in typical times, a diversified investor’s portfolio contain a rare coin and precious metals component of 5% minimum to 25% maximum. Customers should not look at our written materials or our recommendations as giving personalized legal or investment advice.

(17) Coin values are constantly changing and estimated verbal indications of value may vary due to multiple factors. The company cannot be responsible for any indications used for valuation and purchasing of customer coins unless its offer is in writing and confirmed according to the company’s policies and procedures.

(18) You understand and acknowledge all transactions between you and First Fidelity Reserve are processed in Jefferson County, Texas.

(19) Reproduction or quotation of this newsletter is prohibited without written permission of First Fidelity Reserve. The Coin Market Advisory, Investors Advisory Forecast, and the Prestige Report are published by Reserve First Partners, Ltd. ®, 120 Shakespeare, Beaumont, Texas 77706.