INTEGRATED INVESTMENT GROUP, INC. DISCLOSURES

COLORADO PERA DISCLOSURE INFORMATION
There are several areas that IIG is not able to control regarding the Colorado Pension Plan. By signing below you agree that IIG is not responsible or liable for PERA’s actions and that you are taking action of your own accord. IIG provides these resources to educate you with tools and information as you research the pros and cons of purchasing service credit through Colorado PERA’s Pension plan before the November 1, 2005 rate increases.

1) PERA may change retirement parameters at any time.
2) PERA Charges 8.5% on unpaid Purchase Agreements. I am aware that this may be more or less expensive than waiting to purchase time at a later date with higher salary and/or calculated age.
3) I understand that PERA requires a minimum payment each month, of the amount necessary to pay off the agreement in 10 years, put on each outstanding purchase agreement. This payment is due on the 5th of the month. I understand that I am responsible for verifying that PERA is taking the payments from my account.
4) I understand that if I miss a payment that my purchase agreement will lapse and be recalculated at possibly higher rates.
5) I understand that PERA members will be limited to a maximum of 10 years purchase time as of Nov 1, 2003.
6) I understand that PERA members are allowed to reinstate time that was cashed out of PERA, in addition to the 10 year cap mentioned in 5 above.
7) I understand that if my hire date is after January 1st, 1999 then I can purchase a maximum of 5 years non-qualified service credit once I reach my 5-year anniversary with PERA.
8) I understand that even though PERA may allow me to purchase service credit from a previous employer, they could reverse a purchase agreement and/or reduce my retirement if I receive retirement income from the respective employer. I understand that if I receive any checks from previous employers I MUST NOT CASH OR DEPOSIT THEM without proper evaluation.
9) I understand that completion of my purchase agreement may take 4 to 6 months if all necessary assets are available.
10) I understand that the process of transferring assets from various companies to PERA can be very time consuming. If the transfers occur after the purchase agreement due date I will be charged interest by PERA as mentioned above. I hold IIG, Inc. harmless in the event this occurs.
11) I agree that it is my responsibility to submit my purchase agreement to PERA in good order and I agree that if PERA rejects my purchase agreement for any reason I hold IIG and its representative harmless for any increased costs due to recalculations that PERA may require. I further agree that I am responsible to contact PERA to confirm receipt of my purchase agreement in good order at 303-832-9550. I also agree that IIG and IIG's website are provided as a resource only and that I must confirm my paperwork direclty with PERA to insure I am qualified for purchasing service credit at the pre-November 1st, 2005 prices.

MORTGAGE DISCLOSURE INFORMATION
Integrated Investment Group, Inc., and VSR Financial Services, Inc., do not in any way recommend or endorse the refinancing of any property which results in equity being taken out of the property for the purposes of purchasing securities or other investment products.

INVESTMENT DISCLOSURE INFORMATION
Ben Sarsozo is a Registered Representative of VSR Financial Services and may only transact in states where he is registered, or exempt from registration. Mr. Sarsozo is currently registered in the state of Colorado. Under normal circumstances, securities licensing procedures for additional states may take 24-72 hours. We will not effect or attempt to effect securities transactions for, or provide personalized investment advice to, or communicate directly with residents in which Ben is not registered. VSR is registered in all 50 States.

IIG PERMISSION TO CONTACT YOU BY PHONE, MAIL OR EMAIL
By accepting this disclosure I authorize IIG and staff to call me at the sources provided. I waive any instructions that I may have made if I have registered on a do not call list. I can choose to remove my name from IIG's call list at any time by sending an email to IIG@IIGRP.COM with "DO NOT CONTACT" in the subject line and IIG will immediately take me off of their contact list.

WEBSITE DISCLAIMER
This Web site is for informational purposes only and does not constitute a complete description of our investment services or performance. This Web site is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered or where an exemption or exclusion from such registration exists. Information throughout this site, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this Web site should be interpreted to state or imply that past results are an indication of future performance. Neither we or our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY "LINKED" WEB SITE.