Forward Looking Statements and Investor Relations
Certain information contained in the [investor pages] portion of www.gwglife.com may include forward-looking statements within the meaning of the Securities Act of 1933 and the Securities Exchange Act of 1934 as amended by the Private Securities Litigation Reform Act of 1995. All forward-looking statements are inherently uncertain as they are based on expectations and assumptions concerning future events and they are subject to numerous known and unknown risks and uncertainties which could cause actual events or results to differ materially from those projected. The forward-looking statements contained in this site include the intent, belief or current expectations of the Company and members of its senior management team with respect to the Company as well as the assumptions upon which such statements are based. Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance, and involve risks and uncertainties, and that actual results may differ materially from those contemplated by such forward-looking statements.
Collection of Information
We collect personally identifiable information, such as names, postal addresses, email addresses, etc., when voluntarily submitted by our visitors. The information you provide is used to fulfill your specific request. This information is only used to fulfill your specific request unless you give us permission to use it in another manner, for example to add you to one of our mailing lists. Furthermore, you, your advisors, agents, representatives, or Broker-Dealer may also provide us with information which can include further details such as your name and address, financial information, investment experience, birth date, social security number, e-mail address, phone number, etc. We may also collect personal information from outside sources, such as CRD (Central Registration Depository) if you are, or were, associated with the securities industry.
The Site may use cookie and tracking technology depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Site, and understanding how visitors use the Site. Cookies can also help customize the Site for visitors. Personal information cannot be collected via cookies and other tracking technology, however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties. However, if the information is confidential and/or private it will not be shared with any other parties without the proper release form signed by the individual whose information is private and confidential.
Distribution of Information
We may share information with governmental agencies or other companies assisting us in fraud prevention or investigation. We may do so when: (1) permitted or required by law; or, (2) trying to protect against or prevent actual or potential fraud or unauthorized transactions; or, (3) investigating fraud which has already taken place. The information is not provided to these companies for marketing purposes. It is our policy not to disclose any personal information to non-affiliates that might use your personal information to contact you about their own products and services. We educate our employees to protect your personal information. Within GWG, your personal information is available only to those individuals who are involved in servicing your financial needs or in supervisory activities. This information may be used, if appropriate, to make recommendations to you about specific products and services.
Under certain conditions we may, as permitted by law and without your permission, provide personal information to persons or servicing agents, regulatory or law-enforcement authorities, and persons requesting information pursuant to a subpoena or court order. Finally, should your relations with GWG end, your personal information will remain protected in accordance with our privacy practices outlined in this notice.
We use security measures to protect against the loss, misuse and alteration of data stored in our system.
Commitment to Data Security
Your personally identifiable information is kept secure. Only authorized employees, agents and contractors (who have agreed to keep information secure and confidential) have access to this information. All emails and newsletters from this site allow you to opt out of further mailings.
This website uses a variety of security measures to protect your personal and confidential information including: passwords, physical access controls, firewalls, change of control procedures, and monitoring. GWG takes other steps and utilization of other mechanisms to protect a user’s data from being lost, misused, or inappropriately altered. These safeguards include data confidentiality policies and regular database backups. Although GWG employs these measures to protect against unauthorized use of a user’s data, GWG cannot control Internet transmissions nor protect against each and every technological threat, and thus cannot provide assurances that personal information transmitted to GWG will never be compromised.
Notwithstanding the above, GWG is committed to protecting its clients, advisors, and consumers- personal and confidential information- to the best of our ability and in accordance with the best practices of our industry.
Privacy Contact Information
By e-mail: firstname.lastname@example.org
By Phone: (877) 494-2388
We reserve the right to make changes to this policy. Any changes to this policy will be posted.
Selling commissions range from 0.50% to 5.00% of the principal amount of debentures sold, depending on the debentures' maturity dates. GWG pays Arque Capital additional underwriting compensation ranging from 2.00% to 3.00% of the principal amount of debentures sold depending on the debentures' maturity dates. Such additional underwriting compensation consists of a dealer manager fee, a wholesaling fee (payable only to wholesaling dealers), and an accountable and non-accountable expense allowance. Arque Capital will share its commissions and non-accountable expense allowance with other dealers who may participate in the offering. The total amount of the selling commissions and additional underwriting compensation paid to Arque Capital and any other FINRA member in the course of offering and selling the debentures will not exceed 8.00% of the aggregate amount of the debentures sold.
An investment in Renewable Secured Debentures may be considered speculative and subject to a high degree of risk, including the risk of losing your entire investment. The information provided herein does not constitute an offer to buy securities or the solicitation of an offer to sell securities. Renewable Secured Debentures are not available in the following states: AL, AK, AR, DC, MD, NC, OH, OK, PA, TN, TX. Elevated suitability restrictions apply in the following states: AZ, IA, ID, KS, KY, MA, ME, NE, NM, ND, NJ, OR, SC, WA. An offer to sell securities can only be made by a Prospectus, pursuant to a registration statement, and any amendments thereto, then effective and on file with the Securities and Exchange Commission ("SEC"). Investors must read the entire Prospectus for investment conditions, risk factors, minimum requirements, fees and expenses and other pertinent information with respect to the Renewable Secured Debentures in order to obtain the information essential to making an informed investment decision. Risks may include, but are not limited to, GWG’s limited operating history, lack of liquidity or a secondary market, continued low interest rates, subordination to senior debt, actuarial experience, among other factors. The secondary market for life insurance policies is new and relatively unproven. Changes to the actuarial assumptions or development of the secondary market for life insurance policies may have an adverse effect on Renewable Secured Debentures, resulting in a potential loss of principal. Similarly, the deterioration of credit quality of life insurance carriers may cause the inability for a carrier to make a payment on the underlying life insurance policies which would have an adverse impact on Renewable Secured Debentures. Certain restrictions apply to this investment including, but not limited to, geographic availability, investor suitability, redemptions prior to maturity and assignment prohibitions. No dealer, broker, salesperson, or other person has been authorized by GWG to give any information or to make any representation other than as contained in the Prospectus, and, if given or made, such other information or representations must not be relied upon as having been authorized by GWG. No statement found herein is incorporated by reference into the Prospectus, and no statement herein constitutes any part of the Prospectus. GWG is under no obligation to update any information included herein. The information and expressions of opinions are subject to change without notice and speak only as of the respective dates in which they are made.
Investment Decisions. This information is not intended to replace any information or consultation provided by a financial advisor or other professional. The information provided herein does not constitute a recommendation for the purchase or sale of any security or other financial instrument or to adopt an investment strategy.
Cautionary Statement Regarding Forward-Looking Statements: Certain matters discussed on this website may be forward-looking statements. We have based these forward-looking statements on our current expectations, assumptions and projections about future events using information available to us at the time and are not intended to be guarantees of future events or performance. These forward-looking statements are subject to risks, uncertainties and assumptions about our operations and the investments we make, including, among other things, factors discussed in our filings with the Securities and Exchange Commission and the following: changes in the secondary market for life insurance; our limited operating history; the valuation of assets reflected on our financial statements; the reliability of assumptions underlying our actuarial models; our reliance on debt financing; risks relating to the validity and enforceability of the life insurance policies we purchase; our reliance on information provided and obtained by third parties; federal and state regulatory matters; additional expenses, not reflected in our operating history, related to being a public reporting company; competition in the secondary life insurance market; the relative illiquidity of life insurance policies; life insurance company credit exposure; economic outlook; performance of our investments in life insurance policies; financing requirements; litigation risks; and restrictive covenants contained in borrowing agreements. We disclaim any intention or obligation to publicly update or revise any forward-looking statements to reflect any change in our expectations or in events, conditions or circumstances on which those expectations may be based, or that may affect the likelihood that actual results will differ from those contained in the forward-looking statements. This cautionary statement is applicable to all forward-looking statements contained in this website.
Securities are being offered on a best efforts basis on behalf of GWG Holdings, Inc., by Arque Capital, Ltd., member FINRA/SIPC, dealer manager for the offering of Renewable Secured Debentures. GWG Holdings, Inc., and Arque Capital, Ltd., are not affiliated entities.
Issuer Prepared Material. Copyright 2013. GWG Holdings, Inc. All Rights Reserved.