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National Association of REALTORS® Housing Market Update: Spring Homebuying Season Shows Steady Demand

YourUpdateTV

A video accompanying this announcement is available at: https://youtu.be/ISQQ6BDbGW0 With the spring buying season in full swing, many Americans are contemplating whether it’s a good time to buy or sell a home. Higher mortgage rates and relentless competition for the few houses on the market are some of the many reasons sellers and buyers should work with an agent who is a REALTOR® to find the right home and negotiate the terms of sale. In fact, according to NAR: Overall, home sales are trying to recover, but they’re heavily influenced by interest rates. Existing-home sales will drop 9.3% this year compared to 2022 but will increase by 15.4% next year. The typical seller receives 3.1 offers on their home, and 33% of homes are selling above list price. NAR expects prices will stabilize, dropping 1.8% this year before improving 2.8% in 2024. Median existing-home prices will mostly stabilize – with the national median existing-home price decreasing by 1.8% in 2023, to around $380,000. Sales in the second half of the year should be notably better than the first half as job gains continue and more favorable mortgage rates are expected. Housing inventory is also expected to remain tight in 2023, with housing starts below historical averages. However, housing starts will increase by 6.9% in 2024. As the market continues to shift, it is important to consult an expert real estate agent who can provide essential guidance to help consumers navigate the homebuying and selling process. In fact, 91% of homebuyers say they would engage their agent again or recommend them to others. Agents who are REALTORS® not only help people achieve the dream of homeownership but also help them create long-term wealth and financial stability for their family. Over the past decade, the median-priced home in the U.S. gained nearly $200,000 in value, making the typical homeowner 40 times wealthier than if they had remained a renter. Additionally, homeowners who benefited from home price appreciation in the last decade saw their debt decrease by 21%. If you’re looking for a REALTOR ® in your area, visit REALTOR.com. Contact Details YourUpdateTV +1 212-736-2727 yourupdatetv@gmail.com

May 24, 2023 02:00 PM Eastern Daylight Time

Video

Charge Against Berkshire Hathaway Shareholder Dropped

National Legal & Policy Center

Today, Peter Flaherty, Chairman of the National Legal and Policy Center issued the following statement: "The trespassing charge has been dropped, but I never should have been arrested. Nor should I have been handcuffed, fingerprinted, brought to jail, and detained for three hours. Berkshire Hathaway’s silencing of me is an ominous precedent for the rights of shareholders in public companies that cannot be allowed to stand. I did not just wander into the Berkshire shareholders meeting, nor did the incident occur during a question-and-answer session. I was a scheduled speaker, whose name appeared on the agenda, to speak in support of Proposal #8 for an independent chair. The proposal appeared in the proxy and for weeks shareholders had been voting on it. It was the subject of a detailed proxy memo we filed with the Securities and Exchange Commission on April 21. As far as I know, the arrest of a shareholder during a proposal presentation has never before occurred at the annual meeting of a public company in the United States. Shareholder activists of the past such as Wilma Soss (the basis for the Carol Burnett “cleaning lady” character) and Evelyn Y. Davis often challenged and certainly annoyed CEOs, but their microphones were never cut and they were certainly never arrested. I have spoken at the annual meetings of dozens of public companies over the past 19 years. My demeanor at the Berkshire meeting was no different from any other. There was no reason to throw me out except that I came too close to the truth. Additional revelations about Bill Gates and Jeffrey Epstein since the meeting confirm the importance of the issue I sought to raise, namely the reputational risk to Berkshire Hathaway by having one individual hold both the Chairman and CEO positions, especially if that person is so closely identified with particular causes and personalities. The whole point of the shareholder proposal process is to allow shareholders critical of management an avenue to change corporate policy. To simply silence and arrest a shareholder who disagrees with management stands the whole concept of having public shareholders on its head. If Warren Buffett thinks that since he owns 15% of Berkshire shares, that he can act with impunity, he is mistaken. Shareholders have rights, and I intend to enforce mine." Founded in 1991, NLPC promotes ethics in public life and government accountability through research, investigation, education, and legal action. Contact Details National Legal and Policy Center Dan Rene +1 202-329-8357 drene@nlpc.org Company Website http://www.nlpc.org

May 24, 2023 10:00 AM Eastern Daylight Time

Shareholder to Demand Greater Transparency from McDonald’s, Walmart About Business Risks in China

National Legal & Policy Center

As shareholders are set to attend annual meetings over the next week for McDonald’s Corporation and Walmart Inc., National Legal and Policy Center will ask fellow investors to support its proposals to provide greater transparency about the companies’ risks of doing business in China. NLPC will present “Communist China Risk Audit” proposals at the meetings, which seek reports to shareholders that address “the nature and extent to which corporate operations depend on, and are vulnerable to, communist China….” The McDonald’s proposal is No. 7 on Page 93 of the company’s proxy statement. For Walmart, NLPC’s proposal is No. 11 on Page 116 of its proxy statement. Both companies oppose NLPC’s proposals. In response, NLPC filed rebuttals at the Securities and Exchange Commission in support of its resolutions to be considered at the McDonald’s meeting, to be held May 25, and at Walmart’s meeting, scheduled for May 31. Read NLPC’s SEC filing for McDonald’s here, and for Walmart here. NLPC’s report to the SEC on McDonald’s outlines some of the risks inherent in doing business in China, and notes: McDonald’s 2023 first quarter [report] states that “(financial) results reflected strong operating performance across the (International Developmental Licensed Markets & Corporate) segment, led by Brazil and China.” China is a clear driver of McDonald’s business performance, making its reliance on China a critical risk, as there are a number of factors that could harm the company The United Nations calls on companies to “provide information that is sufficient to evaluate the adequacy of an enterprise’s response to the particular human rights impact involved.” If McDonald’s is being “guided” by this principle and is already discussing significant risk exposures using “robust risk management program,” then a report…should be easy to deliver and provide investors with meaningful insights. An excerpt of NLPC’s filing for Walmart states: The magnitude of its risk in China is not comparable to the general business risks (already) disclosed by Walmart, many of which are indistinguishable from the disclosures made by other public companies. China-specific risks are present across many parts of Walmart’s business… Walmart has invested a considerable amount in its Chinese infrastructure. Thus, potential disruptions due to political, economic, regulatory, or health issues could negatively impact Walmart’s investments in the region. China is McDonald’s second-largest market, with more than 5,000 restaurants representing nearly 13 percent of its total locations. The communist nation is Walmart’s fourth-largest market, behind the United States, Central America, and Canada, with 365 stores representing nearly seven percent of its international locations. “Considering the extent of revenue generated and supply chain that is dependent on China, McDonald’s and Walmart owe their shareholders more transparency and specificity about their respective risks in the extensive amount of business they do there,” said Paul Chesser, director of NLPC’s Corporate Integrity Project. “Between human rights atrocities and Chairman Xi Jinping’s saber-rattling against Taiwan, the feasibility of continuing operations there may be tenuous. We urge their boards of directors to disclose more.” Founded in 1991, NLPC promotes ethics in public life and government accountability through research, investigation, education, and legal action. ### For more information or to schedule an interview with Paul Chesser, contact Dan Rene at 202-329-8357 or drene@nlpc.org. Please visit http://www.nlpc.org. Contact Details National Legal and Policy Center Dan Rene +1 202-329-8357 drene@nlpc.org Company Website http://www.nlpc.org

May 24, 2023 09:30 AM Eastern Daylight Time

‘Ready for Ron’ Now ‘Ready to Win’

Ready for Ron

For more than a year, Ready for Ron, an independent group working to Draft Florida Governor Ron DeSantis to run for President, actively built support for his candidacy. A petition with more than 250,000 signatures (and a lawsuit against the Federal Election Commission to share it) tens of thousands of TV and online ads, along with millions of phone calls, mail pieces, and emails, and a grassroots and coalitions program has done its job - Governor Ron DeSantis is expected to soon announce he’s running for President. With Governor DeSantis about to become an official candidate, Ready for Ron is changing its name to ‘Ready to Win’ to reflect its singular mission to nominate and elect Ron DeSantis to win in 2024. “We spent an entire year running thousands of TV ads, millions of mailings, and tens of millions of online, email, and social connections to drive the narrative – Ron DeSantis will be our next President,” stated Ed Rollins, Ready to Win’s Chief Political Strategist. “We built an infrastructure. We completely changed the discussion. With a quarter million petition signers calling for him to run we are thrilled that we see our goal achieved - Ron DeSantis entering the Presidential race. He may well be the only leader who can defeat Joe Biden.” In addition to its outreach and engagement initiatives, Ready for Ron worked with Impact Social to analyze the online and social media discussion in relation to Ron DeSantis and Donald Trump among swing voters. The data clearly and consistently shows Ron DeSantis can beat Joe Biden, and Donald Trump simply can’t. Additional data research with multiple vendors covering more than 19 million voters affirms these findings. “Winning the nomination and the general election requires us all to work together to build this movement and save our nation,” stated Ready to Win Counsel, Dan Backer. “Our groundbreaking research debunked the bad polling plaguing Republicans for more than eight years. Using cutting edge massive data monitoring proves what everyone already knows - Donald Trump’s supporters are loyal and loud, but confined to only a sliver of the population that cannot grow. Moderate, swing, and independent voters are not coming back to Trump, ever, and he cannot possibly win the general Election – Ron DeSantis can.” “Voters young and old both know Governor DeSantis has a proven track record of standing up for America’s values. He is committed to defending the rights of parents, getting inflation and government spending under control, and solving the problems the radical left is causing. He dares to say no to the bullies, no matter how powerful they may seem. He can deliver safe streets, sane schools, and a soaring economy,” stated Gabriel Llanes, Executive Director of Ready to Win. “DeSantis is much more than a politician with savvy instincts; he is a public servant through and through. No ego to get in the way because he is about results.” “We will continue our ground-up grassroots efforts in key primary states, doing the hard work to train and mobilize a volunteer army to nominate, and elect, our next great American president,” Rollins continued. We feel DeSantis is well prepared to be the candidate to win the Republican nomination and beat President Biden. We are officially, Ready to Win!” ### For more information or to schedule an interview with a Ready to Win spokesperson, please contact Dan Rene at 202-329-8357 or dan@readyforron.com. Contact Details Ready to Win Dan Rene +1 202-329-8357 dan@readyforron.com Company Website https://www.readyforron.com/

May 23, 2023 02:50 PM Eastern Daylight Time

Endowments and Pensions Continue to Post Gains, but Exposure to Private Markets Pushes Many Below Their Performance Benchmarks, According to Projections from MPI

Markov Processes Inc.

Rebounds in the public markets helped college endowments and public pensions to post gains over the first three quarters of the 2023 fiscal year, as exposure to private equity and especially to venture capital caused the median performance of each group to trail their key benchmarks, according to proprietary projections from Markov Processes International, Inc. (“MPI”), a leading independent FinTech provider of software and services for analyzing investment performance and risk. The estimates are generated by the MPI Transparency Lab, a one-of-a-kind data hub for endowment and pension performance. The Lab provides a wealth of information on performance and risk of the largest U.S. endowments and public pensions. “With most pensions and endowments reporting their results only once a year, outsiders rarely have an appreciation of their intra-year volatility,” said Michael Markov, co-founder and chief executive officer of MPI. “This is unfortunate. As our estimates show, tracking performance on a quarterly or more frequent basis allows us to assess where they stand in relation to their benchmarks and why. This is important to so many constituencies.” Among major college endowments, MPI estimates that the University of Pennsylvania is leading among Ivy League schools with 3.91% returns, with Columbia University being close second, tracking with a 3.55% estimated return. Princeton University and Harvard University are expected to trail other Ivies with returns close to zero. Overall, MPI estimates the median Ivy League endowment return so far in FY2023 is 1.9%. By contrast, the Global 70/30 Benchmark, which is the standard benchmark for endowment performance, is up 6.1% for the same three-quarter period. Private market exposure continued to be a drag on results. To estimate performance, MPI used the recently released Cambridge Associates’ Private Benchmarks preliminary estimates for the 4 th quarter of 2022. The CA Venture Capital index was down -7.31% for the quarter and CA Private Equity Index was up 0.62%. The CA Real Estate index return is -0.56% for the quarter. "Even though private benchmark data is not available for the first quarter of 2023, we expect them to slide further given rising interest rates, depressed valuations, and increased bankruptcy rates in early 2023," Markov said. “However, we decided to use conservative estimates of zero return for private equity and venture capital for the most recent quarter. Private markets propped up endowment returns last fiscal year, but our estimates show that those funds more exposed to public equities are outperforming their peers currently, and the gap might widen even further during this quarter.” The situation was the same for U.S. public pensions. MPI Transparency Lab estimates pensions have median return of 5.2% for the three quarters of 2023 fiscal year. The Oklahoma TRS has the highest return of 8.2%, with Georgia TRSGA being close second. Performance of the Global 60-40 benchmark, the key benchmark for pensions, was 5.8%, with a -6% loss in the third quarter of 2022, a 6.6% gain in the fourth quarter of 2022, and a 5.6% gain in the first quarter of 2023. This swing mirrors pension performance. As with endowments, the difference in performance rested with the balance between public and private market exposure. The lowest FY2023 estimated performers – state employees’ pensions of Oregon (0.6% estimated return), Pennsylvania (1.2%) and Washington (1.8%) – all had reported the highest performance last fiscal year, largely because of their outsized allocations to private assets. “Knowing how an endowment or pension is doing quarter by quarter and why not only serves to satisfy one’s curiosity,” Markov noted. “Rather, it prepares beneficiaries so that they are not caught by surprise at the year-end by the results. In addition, we see the main value of this feature in providing pension CIOs valuable datapoints about their narrow set of close peers.” For additional information on MPI’s proprietary data, visit the Transparency Lab. For further information, contact MPI at +1 (908) 608-1558 or info@markovprocesses.com. About MPI Markov Processes International Inc. (MPI) is a leading provider of solutions for investment research, analysis and reporting to the global wealth and investment management industry. MPI works with more than 200 client organizations, including pensions and endowments, sovereign wealth funds, global wealth management firms, institutional consultants, regulators, investment advisors and asset managers. Rooted in the principles of transparency, objectivity, and efficiency, MPI takes an innovative approach to problem solving in the areas of fund analysis, risk management, asset allocation, and reporting to ensure that its clients have the tools to succeed in ever-more-crowded markets. Follow us on Twitter @MarkovMPI and connect with us on LinkedIn. Contact Details For MPI info@markovprocesses.com Company Website https://www.markovprocesses.com/

May 22, 2023 10:20 AM Eastern Daylight Time

The Humane Society of the United States Addresses the Pet Poverty Crisis

YourUpdateTV

Most people are aware of how poverty and structural inequality create challenges and barriers to accessing healthy food, education, jobs, health care and housing and how inflation is only making the crisis worse. Pet resources are no different. Many families are struggling to afford and access veterinary care, food and supplies for their beloved pets. More than 20 million pets live in poverty - three times as many pets live in poverty as enter shelters every year. This is a long overlooked national crisis exacerbated by inflation and the economy. Recently, Kitty Block, President and CEO of the Humane Society of the United States, participated in a nationwide satellite media tour to discuss the launch of the More Than a Pet campaign and how the organization is addressing the crisis. A video accompanying this announcement is available at: https://youtu.be/GdaZXktSjNI Over the past 20 years, the Humane Society of the United States has helped half a million pets and their families by providing veterinary care and supplies at no cost, keeping families and pets together in over 50 communities across the U.S. Without these services, families are often forced to make choices about sacrificing their own needs, even food and medications for themselves, to prioritize care for their pet. No family should ever have to make that choice. Since 2002, the Humane Society of United States’ Pets for Life and Rural Area Veterinary Services programs have been helping pet owners across the U.S. by providing food, supplies and services for their cats and dogs at no cost. It is critical to close the gap that exists for people and pets in underserved areas. With the new campaign called “More Than a Pet,” the HSUS is sounding an alarm about this crisis that is only getting worse. The Humane Society of the United States is offering these tips for people to support their communities: Advocate for keeping pets and their people together by signing the HSUS petition to close the pet equity gap. Your voice can make a big impact for all animals. Volunteer with the Humane Society of the United States’ Pets for Life and Rural Area Veterinary Services programs, which increase access to pet care for underserved communities. Donate pet food to your local shelter or pet food pantry. If you know of a neighbor in need, offer to help drive them to a veterinary appointment, foster their pet temporarily or provide a bag of their pet’s favorite food to help close the access to pet care gap. The HSUS is inviting the public to show their support for this campaign by sharing why their animal companion is #MoreThanAPet to them, at humanesociety.org/morethanapet. Campaign partner Smalls is donating a bowl of food for every photo shared, up to $1M, to pets and their families in need. Learn More and Get Involved About Kitty Block Kitty Block is the chief executive officer and president of the Humane Society of the United States and also chief executive officer of Humane Society International. She leads the nation's most effective animal protection organization in the fight for all animals. Block was named president and CEO of the Humane Society of the United States in January 2019, becoming the first woman to hold the position in the organization’s history. Block first joined the HSUS as a legal investigator in 1992 and was instrumental in bringing cruelties such as horse slaughter and the killing of dogs and cats for their fur in China to light. She led the HSUS’s efforts to secure protections for dolphins with successful litigation and landmark dolphin-safe tuna legislation. In addition, she was one of the architects of a successful lawsuit over commercial whaling brought against Japan by Australia in the International Court of Justice. She has served as an adviser to the White House on trade and the environment, and she has served multiple elected terms on the International Dolphin Conservation Agreement International Review Panel, which works with governments on monitoring violations of the agreement. Block received a law degree from The George Washington University in 1990 and a bachelor’s degree in communications and philosophy from the University of New Hampshire in 1986. She is a lifelong animal lover who helped her mother rescue and care for pets and other animals in need as a child. Block lives in Washington, D.C., with her husband and daughter, their street dog rescue, Lilly, and rescue cats, Misti and Storm Contact Details YourUpdateTV +1 212-736-2727 yourupdatetv@gmail.com

May 22, 2023 10:15 AM Eastern Daylight Time

Video

Shareholder to Address Censorship Policies at Alphabet, Amazon, and Meta

National Legal & Policy Center

Following the exposure by the “Twitter Files” reports that revealed the extent to which malicious government agencies colluded with Big Tech to censor content, a shareholder in three Silicon Valley corporations will present proposals in the coming weeks to address their suppression of speech. National Legal and Policy Center – which owns stock in Amazon, Alphabet (parent of Google and YouTube) and Meta (parent of Facebook) – will sponsor proposals at each company that request transparency about requests they have received from U.S. government officials to “take down” content from their platforms. Amazon’s annual meeting is on Wednesday, May 24; Meta’s is on May 31, and Alphabet’s is on June 2. “As we’ve learned since Elon Musk took over Twitter, there is an epidemic of unconstitutional government censorship of speech in our country, and Big Tech has welcomed the opportunities to be their enforcers,” said Paul Chesser, director of NLPC’s Corporate Integrity Project, who will present the proposals at the companies’ respective meetings. “It is vital, as public companies, that Alphabet, Amazon and Meta act in the country’s interest and disclose who in the federal government is making these improper – and most of them probably illegal – requests, and divulge what they have asked to be removed from their platforms.” The Amazon and Meta proposals seek an itemization of the requests the companies have received from federal government. The Alphabet proposal asks for a report about the extent its censorship policies and practices have on the fiduciary health of the company. The text of NLPC’s proposal for a “Risk Audit on Content Censorship” for Alphabet’s 2023 annual meeting follows: RESOLVED: Shareholders request that Alphabet Inc. (“Company”) issue a report at reasonable cost – omitting proprietary or legally privileged information – reviewing the vulnerabilities of its enforcement of Google’s and YouTube’s Terms of Service related to content policies, and assessing the risks posed by content management controversies related to issues such as election interference, freedom of expression, and inequitable application of policies, and how they affect the Company’s finances, operations, and reputation. SUPPORTING STATEMENT: Evidence has accumulated over many years that show Alphabet Inc.’s platforms discriminate against disfavored speech, interfered in elections, and is undeniably prejudiced. Major examples include: In leaked Company emails, employees discussed using “ephemeral experiences” to change users’ views. Back in 2016, the Company’s chief financial officer said, “we will use the great strength and resources and reach we have” to advance Google’s values. Consequentially, senior research psychologist Dr. Robert Epstein found that – based on 1.5 million search experiences his team aggregated in 2020 – that the Company’s manipulations could have shifted up to six million votes to Joe Biden. A study of voter outreach by 2020 political candidates, conducted by North Carolina State University’s Department of Computer Science, found that Google’s Gmail “marked 59.3% more emails from [conservative] candidates as spam compared to the [progressive] candidates.” The Republican National Committee claimed that Gmail sent more than 22 million of its emails to spam during a critical fundraising period in the 2022 election cycle. The Company has incurred a lawsuit and a complaint to the Federal Elections Commission due to the alleged suppression. A Media Research Center analysis of the most tightly contested 2022 U.S. Senate races found that ten of 12 Republican candidates’ campaign websites (83%) appeared far lower (or did not appear at all) on page one of Google’s organic search results, compared to their Senate Democratic Party opponents’ campaign websites. In addition to the above examples, the Company is the target of a credible, major lawsuit by the states of Missouri and Louisiana, based on extensive evidence that the Company violated users’ First Amendment rights. Shareholders need to know whether the Company is engaged in unconstitutional censorship, and whether the Company exercises its content moderation in violation of its Terms of Service, opening the Company to liability claims by victims. Shareholders also need to know whether the Company is failing to disclose these potential liabilities as material risks in its public filings. There is currently no single source providing shareholders the information sought by this resolution. Founded in 1991, NLPC promotes ethics in public life and government accountability through research, investigation, education, and legal action. ### For more information or to schedule an interview with Paul Chesser, contact Dan Rene at 202-329-8357 or drene@nlpc.org. Please visit http://www.nlpc.org. Contact Details National Legal and Policy Center Dan Rene +1 202-329-8357 drene@nlpc.org Company Website http://www.nlpc.org

May 22, 2023 10:00 AM Eastern Daylight Time

AmeriLife’s ORCA Life Welcomes Advance Planning Partners

AmeriLife

ORCA Life, a leader in the final expense insurance market and an affiliate of AmeriLife Group, LLC (“AmeriLife”), announced today that it has formally partnered with Advance Planning Partners. Per the agreement, terms of the deal were not disclosed. Advance Planning Partners is a Louisville-based final expense shop with offices in Denver, Houston, Charlotte and Morgantown, W.Va. The firm’s co-owners, Richard Shawn and Michael Huffman, were founding members of ORCA Life in 2016. Now, together with ORCA and alongside its founder and president, Glenn Crabtree, Advance Planning Partners will have expanded access to the best-in-class leadership and resources of ORCA and AmeriLife, including new products and solutions in the Medicare and retirement income space. “Richard and Michael have been a part of the fabric of ORCA Life since the beginning, and today’s announcement is the culmination of our longstanding partnership and belief in what we’ve build together,” said Crabtree. “I couldn’t be more excited to welcome Advance Planning Partners into the fold, and we look forward to helping them continue to grow their company.” Advance Planning Partners will continue to operate under the ORCA banner, while both Shawn and Huffman will remain in their roles as members of ORCA’s executive leadership team. “I’m incredibly proud of what we’ve built at Advance Planning Partners, and am thrilled to make our longstanding connection with ORCA Life official,” said Shawn. “We’ve only scratched the surface of our potential. The sky’s truly the limit as we venture into new territory with more diverse product offerings and the backing of ORCA and AmeriLife.” “This is, indeed, an exciting day, not only for me and Richard, but for our affiliated agents as well,” added Huffman. “This new yet familiar partnership will not only serve to accelerate our company’s growth, but also ensure that our agents are armed with the very best tools, technology and contracts to take their books of business to the next level.” “I’m thrilled to welcome Richard and Michael to the AmeriLife family of companies under Glenn’s and ORCA Life’s continued guidance,” said Scotty Elliott, AmeriLife’s Chief Distribution Officer for Health. “Since partnering with ORCA in 2021, AmeriLife has witnessed firsthand their team’s uncompromising drive to deliver for their clients. The addition of Advance Planning Partners will undoubtedly strengthen both organizations, and we’re excited to further fuel their collective success.” ### About AmeriLife AmeriLife’s strength is its mission: to provide insurance and retirement solutions to help people live longer, healthier lives. In doing so, AmeriLife has become recognized as the leader in developing, marketing, and distributing life and health insurance, annuities and retirement planning solutions to enhance the lives of pre-retirees and retirees across the United States. For more than 50 years, AmeriLife has partnered with top insurance carriers to provide value and quality to customers served through a distribution network of over 300,000 insurance agents and advisors and 120 marketing organizations and insurance agency locations nationwide. For more information, visit AmeriLife.com, and follow AmeriLife on Facebook and LinkedIn. Contact Details Media Jeff Maldonado +1 321-297-1112 jmaldonado@amerilife.com Partnership Inquiries Patrick Nichols +1 727-726-0726 pnichols@amerilife.com Company Website https://amerilife.com/

May 18, 2023 01:00 PM Eastern Daylight Time

Peer To Peer Network Proudly Announces Payment Made To Tech Developers For MOBICARD 2.0 Release, Plans for Enterprise Capabilities in Version MOBICARD 2.0 Are Underway

Peer to Peer Network

Peer To Peer Network aka MOBICARD™ INC. (OTC: PTOP) (“PTOP”), a pioneering technology company specializing in digital business cards, is delighted to announce that it has come to a new agreement with the technology team thanks to a shareholder agreement with the developers by one of our shareholders “Glen”. The New agreement reads as follows: (last name redacted) “Glen agrees to compensate MOBICARD 2.0 developers $5,000 each (a total of $10,000) to move the development of MOBICARD™2.0 towards completion. Developers guarantee all functionality stipulated in the contract, emphasizing the ability to generate revenue. Upon completion and launch of MOBICARD™2.0 into the Apple and Android app stores, Glenn agrees to compensate the last and final payment of $5,000 to each developer (total of $10,000). If Glen fails to compensate at any point, the terms of the original contract (MOBICARD™2.0) between Nicholis Santana, Jay Wallace, and Peer To Peer Network will still hold.” Through this initiative, the tech development team moves up the date upon which the release of the fully functional MOBICARD™2.0 apps will be released to the app stores. Both developers have been paid the next installment of a total of $10,000, and are now on a mission to get the fully functional apps into the app stores. PTOP still plans to launch the MOBICARD™1.5 apps first in order to work out any bugs or issues prior to the fully marketable launch. This new agreement will recognize the developer’s outstanding performance and commitment to excellence and this will include competitive financial pay incentives as mentioned, performance based bonuses, and career advancement opportunities. By offering these rewards, PTOP aims to inspire continued innovation and ensure the teams dedication remains at the forefront of technological advancements. “We deeply appreciate the unwavering dedication and expertise of our tech development team,” said Joshua Sodaitis, Chairman & CEO of PTOP. “They have been instrumental in driving the development forward even after months of no pay. This payment initiative is a testament to our shareholders commitment to fostering a rewarding and collaborative work environment, as we strive to revolutionize the digital business card landscape. With this payment, we can ensure that PTOP is given apps that work properly and give us the ability to generate revenue. This will enable us to get on the path to profitability. The MOBICARD™2.0 tech development team comprises a diverse group of talented individuals, including software engineers, developers, UX/UI designers, and quality assurance professionals. Their collective expertise and collaborative efforts have been instrumental in the ongoing development, and improvements of PTOP’s MOBICARD™2.0 digital business card platform solutions. “We are happy to be able to receive this payment as a testament to the work we have already put into MOBICARD™1.5, this new agreement gives us the ability to know that we will be compensated for our time and effort. I know that both Jay & I are happy to gear up for a spectacular launch of MOBICARD™2.0 in the near future,” exclaimed Nicholis Santana of the tech development team. As an industry leader in the digital business card space, PTOP continues to leverage cutting-edge innovation to provide a secure, user-friendly, and feature-rich platform for seamless transactions. Through ongoing collaboration and the recognition of the tech development team’s contributions, MOBICARD™2.0 is poised to launch sooner and to strengthen its position as a frontrunner in the digital business card industry. Like us @MobiCard on Facebook. Follow us on Twitter @freemobicard PTOP A new phase is coming soon. Contact Info: Joshua Sodaitis, Chairman & CEO MobiCard, Inc. 45 Prospect Street Cambridge, MA 02139 Phone: 1-617-481-1971 Email: info@freemobicard.com Investor website: www.ptopnetwork.com Safe Harbor Statement: This release includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. The Company invokes the protections of the Private Securities Litigation Reform Act of 1995. All statements regarding our expected future financial position, results of operations, cash flows, financing plans, business strategies, products and services, competitive positions, growth opportunities, plans and objectives of management for future operations, as well as statements that include words such as "anticipate," "if," "believe," "plan," "estimate," "expect," "intend," "may," "could," "should," "will," and other similar expressions are forward-looking statements. All forward-looking statements involve risks, uncertainties and contingencies, many of which are beyond our control, which may cause actual results, performance, or achievements to differ materially from anticipated results, performance, or achievements. Factors that may cause actual results to differ materially from those in the forward-looking statements include those set forth in our filings at www.sec.gov. The company is no longer a fully reporting SEC filing company. We are under no obligation to (and expressly disclaim any such obligation to) update or alter our forward-looking statements, whether as a result of new information, future events or otherwise. Contact Details MOBICARD™ INC. info@freemobicard.com Company Website https://www.freemobicard.com/

May 17, 2023 10:30 AM Eastern Daylight Time

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