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NBT Equity Research

The information and opinions in this report were prepared by NBT Equity Research, LLC. The information herein is believed to be reliable and has been obtained from public sources believed to be reliable. We make no representation as to the accuracy or completeness of such information. Opinions, estimates and projec- tions in this report constitute the current judgment of the author as of the date of the report and are subject to change without notice. We have no obligation to update, modify or amend this report or to otherwise notify a reader thereof in the event that any matter stated herein, or any opinion, projection, forecast or estimate set forth herein, changes or subsequently becomes inaccurate, or if research on the subject company is with- drawn.

This report is provided for informational purposes only. It is not to be construed as an offer to buy or sell or a solicitation of an offer to buy or sell any financial instruments or to participate in any particular trading strat- egy in any jurisdiction. Opinions and recommendations in our reports do not take into account individual in- vestor circumstances, objectives, or needs and are not intended as recommendations of particular securities or strategies to particular investors. The recipients of our reports must make their own independent decisions regarding any securities mentioned in our reports.

NBT Equity Research, LLC has received compensation from the company or companies mentioned in this report or agents acting on their behalf. Please review the important disclosures in this report.

This report may be reproduced, distributed or published by any person for any purpose without the prior written consent of NBT Equity Research. Please cite source when quoting.

Copyright © 2011 NBT Equity Research, LLC. www.NBTEquityGroup.com

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NBTEQUITY RESEARCH © Copyright 2011

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