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FACTORS YOU MUST CONSIDER IN PURCHASING PALLADIUM BARS AND SILVER PLATINUM GOLD BULLION BAR ITEMS

PALLADIUM RISK: The purchase of coins or bullion items are highly speculative and involves substantial risk. As in other markets, coin or bullion prices can be extremely volatile and will rise and fall depending upon market conditions. Therefore, before purchasing coins or bullion, you should first have adequate cash reserves and other assets to absorb a potentially significant loss. Sorry, but we do not make recommendations, we think you should buy what you want.

PALLADIUM HOLDING PERIOD: Historically, few coins or bullion items have appreciated dramatically in the short term. Therefore, purchasers should recognize that it may well be necessary for them to hold coins for a 3 - 5 year period, or even a 5 - 10 year period, to have any chance of realizing a significant gain.

The Tulving Company (Since 1990)

P.O. Box 6200, Newport Beach, CA 92658

800-995-1708, FAX 949-722-0296

If You Are in Alaska or Hawaii, call 949-722-0290

E-Mail hannes@tulving.com

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