1. Pricing and Buybacks.

Ridgemont Capital sale prices and buyback prices are set internally by Ridgemont Capital and are constantly changing. Common Bullion Products are priced by Ridgemont Capital for both sale and potential buyback for the most part in accordance with the spot price of the precious metal they contain. Premium Products, however, are priced by Ridgemont Capital for both sale and potential buyback at a premium above the spot price of the precious metal they contain. This premium is solely determined and controlled by Ridgemont Capital, based on various factors Ridgemont Capital deems valuable, to include speculative interest, collector and investor demand, available supply, industry promotions, perceived value, economic conditions, and other factors Ridgemont Capital deems relevant. The value assigned to Premium Products at any given time may vary from retailer to retailer and Ridgemont Capital cannot guarantee another retailer will value a premium coin at the same rate as Ridgemont Capital would in any given circumstance. Ridgemont Capital cannot guarantee buy-back of any item it sells and cannot guarantee another retailer will purchase a premium coin.

Ridgemont Capital’s sale prices and potential buyback prices are not necessarily related to, or affected by, the sale prices or potential buyback prices at which other retail or wholesale precious metals dealers or institutions buy, sell, or value the same or similar products. Moreover, there is a price differential, or “spread”, between Ridgemont Capital’s sale price (the “ask” price) and the price Ridgemont Capital pays for a product (the “bid” price). The bid/ask spread is calculated by subtracting the bid price from the ask price and then dividing the difference by the ask price: (Ask – Bid) / Ask). To make a profit, you must be able to sell the precious metals in the future for a price high enough to cover its initial purchase, including this spread. Spreads may be subject to negotiation, and any spread Ridgemont Capital charges in a specific transaction may be more or less than the spread it charged to others in similar transactions or it charged to you in prior or future transactions. Although Ridgemont Capital has historically bought back our customers’ gold and silver, the law prohibits us from guaranteeing we will repurchase the products we sell. As such, Ridgemont Capital makes no guarantee that we will buy back any product, and Ridgemont Capital’s buyback policy is subject to change without notice.

2. Objectives.

Anyone who considers purchasing Ridgemont Capital products should consider the associated risks and acquisition costs. It is Ridgemont Capital’s view that precious metals should be considered a long-term asset, and that you should be prepared and willing to hold any purchased precious metals for several years before selling them. Products should only be purchased with discretionary funds that may be tied up for several years and not with funds necessary to cover your day-to-day living expenses. Ridgemont Capital HAS NO FIDUCIARY DUTY TO YOU. Though Ridgemont Capital may explain what precious metals options are available to you, the decision to purchase precious metals and which ones to purchase are your decisions alone, and Ridgemont Capital is not responsible for your decisions. The purchase of Ridgemont Capital products is not for everyone, and Ridgemont Capital has no obligation to and makes no attempt to confirm the appropriateness of any product for any person at any time.

3. Diversification.

Many experts generally recommend that precious metals constitute between 5% to 10% of a well-diversified portfolio; see examples here and here. Some individuals or entities may recommend different percentages. If you choose to allocate any percentage of your funds in Ridgemont Capital products, you are advised to do so only after consulting legal, financial, and tax professionals. Ridgemont Capital does not guarantee, and makes no representation, that any allocation in Ridgemont Capital products, whether between 5% to 10% or otherwise, is appropriate for any particular person.

4. Volatility.

Ridgemont Capital products’ markets are subject to substantial fluctuations including significant and rapid increases and decreases from time to time. You must be able to assume and tolerate the risk of such price fluctuations. No assurance can be given that you will be able to sell your products at a price greater than or equal to the acquisition cost. You could lose money.

5. Agents and Team Members.

Ridgemont Capital’s agents and team members are not licensed investment or financial advisors, and they have no fiduciary duty to you. It is your responsibility to learn and consider all risks, prices, and policies relating to your purchase.

6. Grading/Authenticity.

Grades and descriptions of products are opinions based on standards and interpretations that can and do change over time, and are not statements of fact or guarantees. Ridgemont Capital is not a grading service, and relies upon the certifications of independent grading services in selling the products. Ridgemont Capital does not independently verify the grade or authenticity of the products it sells. While Ridgemont Capital guarantees that all of the products it sells are genuine, the products sold by Ridgemont Capital are sold on an “as is” basis and Ridgemont Capital expressly disclaims any other warranties, express or implied, including the implied warranties of merchantability and fitness for a particular purpose, and any warranties associated with the grades assigned to the products by independent grading services.

7. Tax, Financial and Legal Advice.

Ridgemont Capital does not give tax, financial or legal advice, and will not advise as to the potential tax, financial or legal implications of purchasing and/or selling precious metals products in an Individual Retirement Account or otherwise. It is important that you consult your own tax, financial and legal advisors with any questions about the potential tax, financial and/or legal implications of any precious metals purchase or sale.

Ridgemont Capital cannot guarantee, and makes no representation, that any metals purchased by a customer will appreciate at all or appreciate sufficiently to make a profit, and there is no certainty that any metals can be sold for a profit. The future value of the coins you purchase cannot be predicted. You could lose money. Don’t purchase Ridgemont Capital products with money you can’t afford to lose. Prices may rise and fall over time or rapidly. Past performance of any coin does not guarantee future results. Premium coins are sold for more than the spot price of the precious metal they contain. Ridgemont Capital’s sale prices and buy-back prices are determined and controlled by Ridgemont Capital. The value assigned to the coins you purchase at any given time may vary from retailer to retailer and Ridgemont Capital cannot guarantee another retailer will value the coins at the same rate as Ridgemont Capital would in any given circumstance. Ridgemont Capital cannot guarantee buy-back of any item it sells and cannot guarantee another retailer will purchase coins purchased through Ridgemont Capital.

Ridgemont Capital cannot guarantee another retailer will value a premium coin at the same rate as Ridgemont Capital would in any given circumstance. This purchase is speculative and unregulated.