Opinions and views expressed during the Event are solely those of the speakers and panelists, and not necessarily the opinions of Investment Partners Group, its affiliates, employees, or subsidiaries (Collectively “The Company”, “We”, “Us”, or words of similar import). The discussion during the Event does not constitute or form part of any offer to issue or sell, or any solicitation of any offer to subscribe or purchase, any shares or other security, investment interest or provide investment advice - nor shall it form the basis of, or be relied on in connection with any contract there of.   Neither should any matter discussed at the Event be considered an endorsement of any product, service, firm, or provider. Any information referred to during the Event should not be considered a complete analysis of every material fact with respect to any company, industry, security or strategy.  Any and all investments discussed therein may not be suitable for all investors and may be subject to a high degree of risk.  Past performance of any company, industry, security or strategy is not a guarantee of future results.  For this and other reasons, Investment Partners Group does not recommend that investors buy or sell any securities mentioned during the Event, if any.  Furthermore, there is no certainty, and we make no representations, that any strategy discussed may be executable in an appropriate size or amount and/or at the prices or rates described therein, if any.  Moreover, although the information contained therein has been obtained from sources believed to be reliable, its accuracy and completeness cannot be guaranteed.  Investment Partners Group and/or its affiliates (including but not limited to Investment Partners Asset Management (“IPAM”)) may effect transactions, including transactions contrary to any views expressed therein for themselves or their clients.  Furthermore, Investment Partners Group and/or its affiliates (including but not limited to IPAM) may have positions in securities mentioned therein (or options with respect thereto), and may also have performed consulting services for the issuers of such securities.  In addition, Investment Partners Group and/or its affiliates (including but not limited to IPAM) , their employees, employee‘s families, and other affiliated persons may have positions and effect transactions including transactions contrary to any views expressed in the securities or options of the issuers mentioned therein, if any, and may serve (or may have served) as directors of such issuers. IPAM is an SEC-registered investment adviser located in Metuchen, New Jersey. IPAM and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which IPAM maintains clients. IPAM may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. The limited purpose of the Event is the dissemination of general information pertaining to its advisory services and / or market conditions. Accordingly, this Event should not be construed by any consumer and/or prospective client as IPAM’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation over the Internet. Any subsequent, direct communication by IPAM with a client or prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Information pertaining to the registration status of IPAM can be obtained at www.sec.gov and/or the state securities departments for those states in which Investment Partners maintains a notice filing. Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from IPAM, or from any other investment professional. IPAM is neither an attorney nor an accountant, and no portion of this message should be interpreted as legal, accounting, or tax advice. A copy of IPAM’s current written disclosure statement its business operations, services, and fees is available from IPAM on its website.  Specifically, IPAM’s disclosure statement is discussed in its form ADV 2A available at www.investmentpartners.com/disclosure Accounts are not FDIC insured.  Investing involves risk.  Online or in-person attendance at the Event will be deemed to be acceptance of the terms of this General Disclaimer.