**This material has been prepared for informational purposes only and is not intended to provide and should not be relied upon to provide any legal or professional advice relating to any matter. Please consult your own professional advisor for advice on any question arising from these materials. OMDREB does not warrant or guarantee the truth or accuracy of this content nor the competency of the speaker. Neither OMDREB nor any of its employees, Directors or Officers are authorized to provide and shall not be deemed to be providing legal or professional advice with respect to these matters. Use of any material, product, or service provided by OMDREB shall constitute a release of OMDREB from any liability or Claim which may arise therefrom.