This material is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Neither these written materials, nor any accompanying oral presentation, or the two combined, should in any way be interpreted as investment advice.  Any person in receipt of these materials should consult the same professionals before acting on any of the commentary presented herein, as this presentation is not a substitute for investment advice. Past performance is not indicative of future results.