Securities investments are subject to market risks and there can be no assurance or guarantee that the objectives will be achieved. As with any investment in securities, the Value of the portfolio under management may go up or down depending on the various factors and forces affecting the capital market. Past performance of the Portfolio Manager is not an indication of the future performance of the Portfolio Manager. Investors in the NJCapital are not being offered any guaranteed/assured returns. Please call any of the Investor Service Centres (ISCs) and obtain a copy of the Disclosure Document and read the same carefully before executing the NJCapital agreement. In view of the individual nature of tax consequences, each client is advised to consult his / her own professional tax advisor.