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The Bull & Bear Financial Report is (c) copyrighted 2015. Reproduction in whole or part without written permission is strictly prohibited. No reprint privileges unless approved by The Bull & Bear Financial Report.

The Bull & Bear Financial Report publishes security reports, news and comments of individuals and organizations whose thoughts are deemed of interest to subscribers. The Bull & Bear Financial Report does not itself endorse or guarantee the accuracy or reliability of any information, statements or opinions expressed by these individuals or organizations. The opinions expressed are strictly those of the writers' and are not endorsed by The Bull & Bear Financial Report nor independently verified. Neither the information, nor any opinion which may be expressed, constitute a solicitation for the purchase or sale of any securities or investment referred to herein. All opinions expressed are subject to change without notice. We take due care to transcribe accurately what has been written by others but because of the possibility of human and mechanical error, we cannot assume any liability for the correctness of the transcription., Errata, when discovered are corrected. The Bull & Bear Financial Report further points out that in the case of a report published by a broker-dealer, there is usually a statement which indicates that the report is not to be considered as an offer to sell or a solicitation of an offer to buy any security, that the material has been obtained form various sources but is not guaranteed as to accuracy or authenticity; that the report is not to be considered as an offer to sell or a solicitation of an offer to buy any security, that the material has been obtained from various sources but is not guaranteed as to accuracy or authenticity; that the report does not purport to include all the information available on the mentioned company or companies, as the case may be, that the firm that has written the report may have a position in the securities of the company reported upon and may trade therein, and that no liability of any kind is assumed by the broker dealer which has written the report for the accuracy of the information contained therein.

The Bull & Bear Financial Report welcomes company studies, industry surveys and other reports and articles for possible publication, either in print or electronically, when submitted by investment advisors, analysts, brokers and individuals. All material will be carefully considered (although we cannot assume responsibility therefore, and should be sent to David J. Robinson, Editor, The Bull & Bear Financial Report, P.O. Box 917179, Longwood, Florida 32791.

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