Welcome to HTI's Expert Meeting. Please note that any information or opinions of our guest Expert shared in the meeting are that of the Expert’s.  They do not represent HTI’s viewpoint or perspective, or that of the organization to which the Expert belongs.  Furthermore, the contents of the meeting do not constitute any solicitation or recommendation of any investment or purchase of investment.  Consent of the Expert is required if you wish to divulge or forward to a third party any part of the contents of this meeting.  HTI is not liable for any damage, cost or claim arisen as a result of any usage, disclosure, reliance or possession on any part of the contents of this meeting.