Payne Capital Management LLC (hereafter Payne CM) may provide its clients with access to an online platform hosted by "eMoney Advisor" ("eMoney"). The eMoney platform allows a client to view their complete asset allocation, including those assets that Payne CM does not manage (the "Excluded Assets"). Payne CM does not provide investment management, monitoring, or implementation services for the Excluded Assets. Therefore, Payne CM shall not be responsible for the investment performance of the Excluded Assets. Rather, the client and/or their advisor(s) that maintain management authority for the Excluded Assets, and not Payne CM, shall be exclusively responsible for such investment performance. The client may choose to engage Payne CM to manage some or all of the Excluded Assets pursuant to the terms and conditions of an Investment Advisory Agreement between Payne CM and the client. The eMoney platform also provides access to other types of information and applications including financial planning concepts and functionality, which should not, in any manner whatsoever, be construed as services, advice, or recommendations provided by Payne CM. Finally, Payne CM shall not be held responsible for any adverse results a client may experience if the client engages in financial planning or other functions available on the eMoney platform without Payne CM's assistance or oversight.