The information herein has been obtained from sources which we believe to be reliable, but we do not guarantee its accuracy or completeness.  Neither the information nor any opinion expressed constitutes a solicitation by us of the purchase or sale of any securities. Charter Research & Investment Group, Inc. or persons associated with it may own securities and/or options of the issues described herein and may make purchases or sales while this report is in circulation. Charter Research is not responsible for typographical or clerical errors in this report or in the dissemination of its content.