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The following information is provided by Barnegat Bay Capital Management, LLC ("the Firm"), an investment advisor registered with the Securities and Exchange Commission, under the Investment Advisers Act of 1940, as amended.

This material is provided for informational and educational purposes only and does not constitute investment advice, a solicitation, or an offer to buy or sell any security or investment product. The information contained herein should not be relied upon as the sole basis for any investment decision.

Past performance is not indicative of future results. All investments involve risk, including the potential loss of principal. There is no guarantee that any investment strategy or objective will be achieved.

The views, opinions, and estimates expressed in this presentation reflect those of the Firm as of the date of this presentation and are subject to change without notice. The Firm is not obligated to update or revise any information contained herein.

Certain information contained in this presentation has been obtained from third-party sources believed to be reliable; however, the Firm makes no representation as to the accuracy, completeness, or timeliness of such information and accepts no liability for any loss arising from its use.

This presentation is intended solely for the use of the individual or entity to whom it is addressed and may contain confidential or privileged information. Any reproduction or distribution without the prior written consent of the Firm is prohibited.

Recipients of this presentation are encouraged to consult with their own legal, tax, and financial advisors before making any investment decisions.