NPPG Investment Services, LLC (“NPPG-IS”) is a New Jersey registered investment adviser located in Red Bank, New Jersey and Tarrytown, New York. NPPG-IS may only transact its advisory business in those states in which its representatives are registered or not required to register. NPPG-IS’s web site is limited to disseminating general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, you should not construe NPPG-IS’s web site as providing personalized investment advice for compensation, or promulgating research reports, over the internet. If you are a prospective client, NPPG-IS will conduct any subsequent, direct communication with you through a representative who is registered or not required to register in the state where you reside. For information pertaining to the registration status of NPPG-IS’s representatives, please contact the state securities law administrators for the state in which you reside. A copy of NPPG-IS’s current written disclosure statement discussing its business operations, services, and fees is available from NPPG-IS upon written request. NPPG-IS does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to or incorporated into NPPG-IS’s web site, and takes no responsibility for that information. NPPG-IS provides all such information solely for convenience purposes and if you use the information you must do so with this limitation in mind.

Past performance many not be indicative of future results. Therefore, you should not assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies that NPPG-IS recommends or undertakes) or product that NPPG-IS makes reference to directly or indirectly on its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for your investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, or the impact of taxes, which investment advisory clients typically incur. These charges, fees and/or taxes decrease historical performance results.

Certain portions of NPPG-IS’s web site such as newletters, articles, or commentaries may contain a discussion of, and/or provide access to, NPPG-IS’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, these discussions may no longer reflect current position(s) and/or recommendation(s). Moreover, you should not assume that any discussion is itself, or is a substitute for, personalized investment advice from NPPG-IS, or from any other investment professional. NPPG-IS is neither a law firm nor an accounting firm, and you should not interpret any portion of the web site content as legal, accounting or tax advice.

To the extent that you use any economic calculator or similar device contained within or linked to NPPG-IS’s web site, you acknowledge and understand that the information resulting from using any such calculator/device is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from NPPG-IS, or from any other investment professional.

You agree, as a condition precedent to accessing NPPG-IS’s web site, to release and hold harmless NPPG-IS, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any actions and/or omissions that are independent of receiving personalized individual advice from NPPG-IS. Disclaimers in other parts of this web site are incorporated and made a part hereof.