Charter Research & Investment Group, Inc. (“Charter”) is an SEC registered investment adviser located in Southport, CT. Charter and its representatives are in compliance with the current registration and/or notice filing requirements imposed upon SEC registered investment advisers by those states in which Charter maintains clients. Charter may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Charter web site is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. Accordingly, the publication of Charter's web site on the Internet should not be construed by any consumer and/or prospective client as Charter's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute of for, personalized individual advice from Charter. Any subsequent, direct communication by Charter with a 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. For information pertaining to the registration status of Charter, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov. A copy of Charter's current written disclosure statement discussing Charter's business operations, services, and fees is available from Charter upon written request. Charter does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Charter's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

ACCESS TO THIS WEB SITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND WITHOUT ANY WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS WEB SITE OR ANY THIRD PARTY WEB SITE LINKED TO THIS WEB SITE.