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Analyst Certification and Disclosures:
The Research Analyst(s) are responsible for the analysis of any security mentioned in Summit Insights Group reports. The Research Analyst(s) certify that all views expressed in Summit Insights Group reports reflect the Research Analysts personal views. The Research Analyst(s) certifies that no part of his compensation was or is or will be, directly or indirectly, related to the specific recommendations or views expressed by the Research Analyst(s) in this report.

About Summit Insights Group
Summit Insights Group, L.L.C (Summit Insights Group) is a independent research boutique with offices in greater NYC area and on the west coast. Neither Summit Insights Group nor any person associated with Summit Insights Group seek to engage in or receive compensation from investment banking activities and no Summit Insights Group employee receives compensation from any of the subject companies. Summit Insights Group has no investment banking, advisory or other relationships with the firms it covers and does not provide the target company with any prerelease of research reports or ratings actions. From time to time the firm may contact the issuer to verify factual items from public comments or published statements but that interaction is mediated and monitored by the issuer's investor relations department. Summit Insights Group employees are prohibited from trading securities within their coverage universe, and if positions are held prior to the launch of coverage, they are forbidden to trade underlying securities. Summit Insights Group does not trade in nor make markets in the securities mentioned in our reports.

The ratings, price targets, valuation methodologies and company assessments reflect the opinion of the individual analyst and are subject to change at any time. This report is not in any sense a solicitation or offer of the purchase or sale of securities. The factual statements made within this report have been taken from sources we believe to be reliable, but such statements are made without any representation as to accuracy or completeness or otherwise.

This report is solely intended for informational purposes and is provide for institutional and/or professional investors who are expected to make their own investment decisions without over reliance on Summit Insights Group reports. Summit Insights Group does not have any liability for any direct or consequential loss arising from the use of our research reports.

Summit Insights Group Trading Policy
Summit Insights Group seeks to ensure that personal trading activities of our employees do not conflict with the interest of our clients. Summit Insights Group and/or its related persons may hold positions in the securities they cover acquired prior to the employment at the firm, but are barred from trading during the duration of their employment with the firm. Summit Insights Group will disclose if Summit Insights Group or any related person holds any securities discussed in the reports published. Pre-approval by the Chief Compliance Officer (“CCO”) is expected to be required before employees or any related person may buy or sell any security that is covered by the firm. There is no minimum holding period or any other restriction on type of securities (e.g., equities, bonds, derivatives) that employees can trade.
Summit Insights Group stock ratings
Buy (BUY): The stock is expected to outperform the broader market over the next 12 months, in the analyst’s opinion.
Sell (SELL): The stock is expected to underperform the broader market over the next 12 months, in the analyst’s opinion.
Hold (HOLD): The stock is expected to perform approximately in line with the broader market in the next 12 months, in the analyst’s opinion.
Copyright & User Agreement
The Summit Insights Group reports are for our clients only. No part of this material may be copied or duplicated in any form by any means or redistributed without any prior written consent of Summit Insights Group, L.L.C. Additional information is available upon request. Copyright 2018-20, Summit Insights Group, L.L.C.