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HNO International Chairman & CEO To Share ‘The Future Is Hydrogen’ Interview from the Floor of the NYSE

HNO International

HNO International, Inc. (OTC: HNOI), a leader in hydrogen-based clean energy technologies, is pleased to announce the future release of an exclusive interview featuring Donald Owens, Chairman and CEO of HNO International, outlining his vision for hydrogen infrastructure. The interview was conducted from the floor of NYSE, right in the heart of Wall Street, New York. The full interview will be released on May 14 th, 2025. The selection of topics covered included: What are the challenges with hydrogen energy and how do you plan to overcome them? What makes HNO International stand out from the well known and larger hydrogen production companies? What exactly is involved in the distributed hydrogen production model? What do you mean by “anywhere and everywhere” power? How much power is required to produce hydrogen in your distribution network? Who are your customers? What's the future for HNO International? Leading HNO International’s mission to revolutionize the energy sector, Mr. Owens brings unparalleled expertise in hydrogen production and combustion technology. Transitioning from his early career as a patent attorney, he has secured 19 patents in the hydrogen energy industry, solidifying HNO International’s position as a leader in hydrogen-based clean energy solutions. “Expanding our reach to the floor of the NYSE is just another indication of how HNO International is catching the eye of the energy sector. Discussing the importance of decentralizing gaseous hydrogen production and empowering entrepreneurs worldwide reaffirms our mission to make hydrogen energy accessible to everyone,” commented Mr. Owens. HNO International (OTC: HNOI) specializes in the design, integration, and development of green hydrogen-based energy technologies. With over 15 years of experience, HNOI is at the forefront of the renewable energy transition, pioneering solutions such as the Scalable Hydrogen Energy Platform (SHEP™), the Compact Hydrogen Refueling System(CHRS™) and the Mobile Hydrogen Refueling System (MHRS) to make hydrogen accessible for businesses and communities worldwide. This news release contains "forward-looking statements" which are not purely historical and may include any statements regarding beliefs, plans, expectations or intentions regarding the future. Such forward-looking statements include, among other things, the development, costs and results of new business opportunities and words such as "anticipate", "seek", intend", "believe", "estimate", "plan", or similar phrases may be deemed "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Actual results could differ from those projected in any forward-looking statements due to numerous factors. These forward-looking statements are made as of the date of this news release, and we assume no obligation to update the forward-looking statements, or to update the reasons why actual results could differ from those projected in the forward-looking statements. Investors should consult all of the information set forth herein and should also refer to the risk factors disclosure outlined in our annual report on Form 10-K, our quarterly reports on Form 10-Q and other periodic reports filed from time to time with the Securities and Exchange Commission. For more information, please visit www.sec.gov. Contact Details Donald Owens dowens@hnointl.com Company Website https://hnointl.com/

May 08, 2025 08:00 AM Eastern Daylight Time

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HorizonPointe Financial Group Enhances Quantitative Investment Platform for Changing Market Conditions

Grand Newswire

HorizonPointe Financial Group today announced updates to its proprietary technology-driven investment platform, designed to assist portfolio management in current market environments. The enhanced Quantitative Investment Platform (QIP 2.0), initially introduced in 2019 and updated in 2024, reflects the firm's ongoing development of analytical tools for investment decision-making amid changing market dynamics. "Investment management continues to evolve with technological capabilities," said Andrew Evan Watkins, Chief Analyst and Director at HorizonPointe Financial Group. "Our updated platform interprets market indicators in context, combining analytical efficiency with experienced judgment." Recent industry research indicates increasing adoption of analytical tools across the asset management sector for various investment functions. Simultaneously, market observers have noted that contemporary market conditions require more sophisticated approaches to portfolio construction and risk assessment. Technology Capabilities HorizonPointe Financial Group's updated QIP 2.0 platform includes several analytical functions designed to identify potential opportunities while addressing risk considerations during market fluctuations. The system includes signal analysis functionality that evaluates various information sources including news developments, market indicators, and liquidity measures. This allows for adjustments based on substantive market signals while reducing responses to temporary movements. Through text analysis techniques, the platform examines communications from policy institutions, corporate statements, and sentiment information. The system identifies language patterns that may precede market developments, providing forward-looking perspectives. The platform also includes pre-configured response capabilities that adjust client positions based on specific scenarios. During a recent yield curve development in February, HorizonPointe Financial Group reports the system adjusted numerous client portfolios promptly, helping to reduce potential negative impacts. Balanced Approach HorizonPointe Financial Group has designed its platform to complement rather than replace professional assessment, where technology enhances rather than substitutes for experienced judgment and client service. "We utilize technology to identify potential opportunities, while maintaining professional judgment," Watkins explained. "Our clients appreciate technological capabilities combined with experienced oversight when making important financial decisions." Recent market research suggests many clients prefer this balanced approach, combining technological analysis with professional guidance rather than fully automated solutions. HorizonPointe Financial Group has developed methods to communicate technical insights in clear terms. The firm's advisors receive specific training to effectively explain technology-assisted decisions using accessible concepts rather than technical terminology. Client Applications HorizonPointe Financial Group notes adoption across various client segments, with applications differing based on client needs and objectives. Institutional clients using the platform have implemented portfolio structures that maintain growth potential while including protective elements. Family office clients have utilized the system to identify potential opportunities in smaller market segments that conventional methods might overlook. For individual clients, HorizonPointe Financial Group has customized the platform to provide allocation approaches responding to life changes, access requirements, and preference adjustments—moving beyond fixed models toward more responsive portfolio alignment. The firm plans to introduce a mobile information dashboard later in 2025, providing clients with clear visibility into portfolio decisions, customized notifications, and individual market updates based on the platform's analytical capabilities. Ongoing Development HorizonPointe Financial Group's commitment to analytical capabilities reflects its assessment that differentiation in investment services increasingly involves technological capabilities alongside traditional services. "The investment management field continues to integrate human expertise with technological capabilities," Watkins noted. "HorizonPointe Financial Group has oriented its investment processes and client experience around this industry development." The firm has expanded its research team over the past 18 months and established a dedicated review committee to ensure technology development adheres to appropriate investment principles. This committee includes external technology specialists alongside HorizonPointe Financial Group investment professionals. As markets continue displaying increased complexity, HorizonPointe Financial Group's technology-enhanced approach reflects broader changes in investment management—where analytical capabilities serve as core components rather than supplementary tools. About HorizonPointe Financial Group: HorizonPointe Financial Group provides investment advisory services for institutional and individual clients. Founded in 2003 in Singapore and based in California since 2018, the firm manages assets with offices in multiple locations. Andrew Evan Watkins, Chief Analyst and Director, leads the firm's research initiatives. For more information, visit www.horizonpointefinance.com. Contact Details HorizonPointe Financial Group (HPFG) Andrew Evan Watkins service@horizonpointefinance.com Company Website https://horizonpointefinance.com

May 08, 2025 07:24 AM Eastern Daylight Time

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The Fintech Future: Stocks to Watch as the Sector Surges Toward $1.1T

PAPL OPEN PAYO PAGS

Fintech is charging forward—and it’s on track to surpass $1.1 trillion by 2032. The global fintech market, already valued at around $340 billion in 2024, is being turbocharged by surging demand for digital wallets, AI-driven financial solutions, and cross-border payments. From revolutionizing banking to streamlining international commerce, fintech is no longer a niche—it’s the backbone of modern finance. For investors looking to tap into this rapid growth, the opportunities are enormous. With new innovations reshaping the way money moves and grows, it’s clear: fintech isn’t just here to stay, it’s accelerating at an unprecedented pace. For investors looking to tap into this momentum, here are four stocks worth a closer look. Pineapple Financial Inc. (NYSE American: PAPL) is a Canadian fintech firm redefining the mortgage brokerage space with its innovative, tech-first approach. As one of Canada's leading mortgage networks, Pineapple combines AI-driven tools with cloud-based systems to empower hundreds of brokers across the country. The company not only streamlines the home-buying experience for Canadians but also supports its agents with scalable technology designed for long-term success. Despite a challenging real estate market, Pineapple has demonstrated impressive financial momentum in recent quarters. For the six months ending February 28, 2025, the company reported an 11.8% year-over-year revenue increase, alongside a 15.2% rise in gross billings—reaching $9.33 million. At the same time, operating efficiencies helped reduce net losses and improve cash flow. Pineapple cut SG&A expenses by 3.6%, lowered advertising costs by over 60%, and saw a 47% improvement in cash used for operations. “Our second-quarter results highlight the successful transition to an integrated platform, driving meaningful cost savings and enhancing our ability to scale,” said CEO Shubha Dasgupta. “We are now in a position to continue growing revenue at scale while reducing expenses as we move toward profitability.” Investors have taken notice. On May 5, 2025, Pineapple successfully closed a $1.5 million public offering, raising fresh capital to support growth. The company is actively scaling in response to a surge in Canadian mortgage renewals—a trend expected to continue over the next two years. CFO Sarfraz Habib added, “These improvements ensure that we are well-positioned to achieve profitability in the near term, even amid a challenging macroeconomic environment.” In the first quarter of fiscal 2025, Pineapple reported a 34.6% increase in revenue and a 26.8% reduction in net loss, further underscoring the company's accelerating momentum. Its growing footprint, cost discipline, and ability to execute in a volatile market position Pineapple as a compelling fintech stock to watch. As Canada's mortgage landscape continues to evolve—with lower interest rates, policy shifts, and increased housing demand—Pineapple stands to benefit from the rising need for modern, tech-powered financial solutions. With a strong leadership team and a scalable platform, Pineapple Financial is aiming to turn today's investments into tomorrow's profitability. Opendoor Technologies Inc. (Nasdaq: OPEN) is redefining how Americans buy and sell homes through its pioneering e-commerce platform for residential real estate. Operating in markets across the U.S. since 2014, Opendoor simplifies what is often one of life’s most complex transactions, providing homeowners with flexibility, speed, and certainty. From instant cash offers to partnerships with trusted agents, Opendoor empowers customers with choice—all backed by technology and data-driven insights. Opendoor entered 2025 with a clear focus: driving toward profitability while enhancing its customer experience. The company’s first-quarter results demonstrate meaningful progress. For Q1 2025, Opendoor reported $1.2 billion in revenue, marking a 6% increase quarter-over-quarter. The company sold nearly 3,000 homes, with a gross profit of $99 million and a gross margin of 8.6%, up from 7.8% in Q4 2024. Opendoor also continued to narrow its losses, with net loss improving to $85 million, down from $113 million the previous quarter. On a non-GAAP basis, Adjusted EBITDA improved to $(30) million, from $(49) million in Q4. Contribution profit came in at $54 million, representing a 42% increase quarter-over-quarter. The company ended Q1 with a robust inventory of 7,080 homes valued at $2.4 billion, up 26% year-over-year. Opendoor purchased 3,609 homes in the quarter—a 22% increase sequentially—positioning itself well for future sales growth. While homes under contract for future purchase declined, the company remains focused on disciplined acquisition strategies and operational efficiencies. Opendoor’s Q2 2025 guidance reflects continued growth and a potential turning point in profitability. The company expects: Revenue between $1.45 billion and $1.525 billion Contribution profit of $65 million to $75 million Adjusted EBITDA between $10 million and $20 million With improving margins, disciplined cost control, and a clear strategic roadmap, Opendoor is moving closer to positive EBITDA and long-term scalability. As the real estate market evolves and digitization accelerates, Opendoor stands at the forefront of reshaping the U.S. housing transaction experience. Payoneer Inc. (NASDAQ: PAYO) is a global financial technology company on a mission to democratize access to cross-border commerce for the world’s small and medium-sized businesses (SMBs). Founded in 2005, the company has built an end-to-end financial stack that helps millions of entrepreneurs and enterprises—especially in emerging markets—get paid, manage multi-currency funds, and grow globally. With customers in over 190 countries and a presence across 7,000+ trade corridors, Payoneer is a critical infrastructure layer for modern global commerce. In Q1 2025, Payoneer continued to deliver robust growth, with revenue (excluding interest income) rising 16% year-over-year. This performance was driven by 7% volume growth and a 22% increase in average revenue per user (ARPU). Notably, revenue from SMBs grew 18%, led by strong momentum in high-value segments: Marketplace SMBs generated $110 million in revenue, up 8% YoY B2B SMBs grew 37% to $52 million Checkout services nearly doubled YoY to $7 million Payoneer Cards processed $1.4 billion in spend, up 29% YoY This marks the seventh consecutive quarter of ARPU acceleration and underscores the growing adoption of Payoneer’s broader financial services offerings. In early April, Payoneer completed its acquisition of Easylink Payment Co., Ltd., a licensed China-based payment service provider. This move strengthens the company’s regulatory foundation in a key market and enhances its ability to deliver localized, compliant solutions for Chinese exporters navigating global trade. Just weeks later, Payoneer celebrated its 20th anniversary, commemorating two decades of powering global entrepreneurship. The milestone included a $2 million donation to Endeavor, a leading global network supporting high-impact entrepreneurs, and culminated in a Nasdaq closing bell ceremony. These celebrations highlighted Payoneer’s long-term commitment to enabling ambition without borders. Despite strong underlying performance, Payoneer is taking a cautious stance amid global economic uncertainty and has suspended its full-year 2025 guidance. Management cited shifting global trade dynamics and potential headwinds for cross-border businesses as key factors. However, the company remains confident in its long-term strategy, underpinned by a diverse customer base and a differentiated product offering. Payoneer ended Q1 with $6.6 billion in customer funds, up 11% YoY, and continued to return capital to shareholders with $17 million in share repurchases during the quarter. As global trade evolves, Payoneer is uniquely positioned to support SMBs navigating new supply chains, regulatory environments, and digital ecosystems. With a proven track record of innovation, disciplined execution, and a global-first approach, Payoneer is well-equipped to lead the next chapter of cross-border commerce. PagBank (NYSE: PAGS) the digital banking arm of Brazil’s UOL Group, is rapidly solidifying its position as a dominant player in Latin America’s fintech space. With a focus on simplifying financial life for individuals and businesses alike, the company offers a broad suite of services—from digital accounts and mobile payments to credit products and insurance—backed by a robust regulatory framework under Brazil’s Central Bank. In Q4 2024, PagBank posted impressive results, recording net revenue of R$5.1 billion—a year-over-year increase of 18%. Even more compelling was its 21% jump in net income, reaching R$631 million. These gains came despite a volatile macroeconomic environment marked by high interest rates and currency swings. Notably, the company achieved a return on average equity (ROAE) of 15.2%, underscoring its operational efficiency and financial discipline. Growth metrics were equally strong: Total Payment Volume (TPV): R$146 billion in Q4 alone (+28% YoY), R$518 billion for the year (+32% YoY) Customer Base: 33.2 million, with 2.1 million new users added in 2024 Credit Portfolio: R$48 billion (+46% YoY) Deposits: R$36.1 billion (+31% YoY) PagBank’s expanding ecosystem includes 6.3 million merchant clients and nearly 18 million active users who rely on it as their primary banking platform. Continued innovation—such as their Multiple Card (debit + credit) and cashback offerings—has enhanced customer engagement and loyalty. From a financial performance perspective, PagBank has become a consistent earnings beat story. It has topped Wall Street’s EPS estimates for the last two quarters by an average of nearly 12%, with a 17.24% beat in the most recent quarter. Its focus on operational leverage, funding cost reduction, and risk management has built a strong foundation for future growth. Looking ahead, the company maintains a bullish outlook for 2025. It plans to continue investing in technology, expanding its product portfolio, and leveraging its scale to maximize returns. With a current share price under $5, PAGS presents an intriguing opportunity for investors seeking fintech growth in emerging markets, backed by strong fundamentals, consistent profitability, and scalable innovation. Disclaimers: RazorPitch Inc. "RazorPitch" is not operated by a licensed broker, a dealer, or a registered investment adviser. This content is for informational purposes only and is not intended to be investment advice. The Private Securities Litigation Reform Act of 1995 provides investors a safe harbor in regard to forward-looking statements. Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, goals, assumptions, or future events or performances are not statements of historical fact and may be forward-looking statements. Forward-looking statements are based on expectations, estimates, and projections at the time the statements are made that involve a number of risks and uncertainties that could cause actual results or events to differ materially from those presently anticipated. Forward-looking statements in this action may be identified through the use of words such as projects, foresee, expects, will, anticipates, estimates, believes, understands, or that by statements indicating certain actions & quote; may, could, or might occur. Understand there is no guarantee past performance will be indicative of future results. Investing in micro-cap and growth securities is highly speculative and carries an extremely high degree of risk. It is possible that an investor's investment may be lost or impaired due to the speculative nature of the companies profiled. RazorPitch has been retained and compensated by the company to assist in the production and distribution of content related to PAPL. RazorPitch is responsible for the production and distribution of this content. It should be expressly understood that under no circumstances does any information published herein represent a recommendation to buy or sell a security. This content is for informational purposes only; you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained in this article constitutes a solicitation, recommendation, endorsement, or offer by RazorPitch or any third-party service provider to buy or sell any securities or other financial instruments. All content in this article is information of a general nature and does not address the circumstances of any particular individual or entity. Nothing in this article constitutes professional and/or financial advice, nor does any information in the article constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. RazorPitch is not a fiduciary by virtue of any persons use of or access to this content. Contact Details RazorPitch Mark McKelvie +1 585-301-7700 mark@razorpitch.com Company Website https://razorpitch.com/

May 08, 2025 06:00 AM Eastern Daylight Time

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MoonPay Enters Strategic Collaboration with TRON

TRON DAO

As the first phase of the collaboration, users in the U.S. can now purchase TRX directly through the MoonPay platform Geneva, Switzerland, May 7, 2025 – TRON DAO, the community-governed DAO dedicated to accelerating the decentralization of the internet through blockchain technology and decentralized applications (dApps), has announced a strategic collaboration with MoonPay, the global leader in crypto payments. The first phase of the collaboration enables users across the United States to purchase TRX, the native utility token of the TRON network, directly through the MoonPay platform. The addition of TRX for MoonPay’s U.S. users creates accessibility to TRON’s dynamic ecosystem of decentralized finance where an average of 8.3 million transactions are completed each day across the TRON blockchain. TRX is listed on over 130 exchanges and ranks among the top cryptocurrencies by market capitalization – exceeding $23 billion as of April 2025. “TRON continues to deliver impressive results across its entire ecosystem – from DeFi and stablecoin leadership to powering some of today’s most innovative platforms,” said MoonPay’s co-founder and CEO, Ivan Soto-Wright. “We’re excited to make TRX accessible to our U.S. users, unlocking new opportunities to participate and benefit from TRON’s diverse, fast-growing ecosystem, with more to come in the near future.” Alongside TRX, the ecosystem supports a variety of tokens, including the second-largest circulating supply of USDT, the USD-pegged stablecoin issued by Tether. TRON also recently announced that the total circulating supply of USDT on the TRON blockchain has exceeded $70 billion. Particularly in emerging markets and cross-border transactions, TRON has become a foundational layer for real-world blockchain applications. “Having TRX available for US users on MoonPay’s instant, programmable payments platform is a very positive development for our ecosystem,” said Sam Elfarra, Community Spokesperson for TRON DAO. “As a leader in payment and stablecoin solutions, MoonPay’s integration greatly enhances TRON’s trajectory as a global settlement network.” About TRON DAO TRON DAO is a community-governed DAO dedicated to accelerating the decentralization of the internet via blockchain technology and dApps. Founded in September 2017 by H.E. Justin Sun, the TRON blockchain has experienced significant growth since its MainNet launch in May 2018. Until recently, TRON hosted the largest circulating supply of USD Tether (USDT) stablecoin, exceeding $70 billion. As of April 2025, the TRON blockchain has recorded over 303 million in total user accounts, more than 10 billion in total transactions, and over $20 billion in total value locked (TVL), based on TRONSCAN. TRONNetwork | TRONDAO | X | YouTube | Telegram | Discord | Reddit | GitHub | Medium | Forum Media Contact Yeweon Park press@tron.network About MoonPay MoonPay creates a world where you own your digital future, giving you control of your identity, money, property and data. We are the market leader in end-to-end solutions simplifying access to the crypto economy for 30M+ verified accounts across 180+ countries, and trusted by iconic global brands to power the creation and movement of digital value. Media Contact media@moonpay.com Contact Details Yeweon Park press@tron.network Company Website https://trondao.org/

May 07, 2025 12:17 PM Eastern Daylight Time

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West Lane Partners Names Charles E. Corpening Chief Investment Officer and Managing Partner

West Lane Partners

West Lane Partners announced the appointment of Charles E. Corpening, a private equity executive with more than three decades of experience in middle market private equity and special situations, as Chief Investment Officer and Managing Partner. Mr. Corpening joins Deryck A. Palmer, founder and managing partner of West Lane Partners, and the firm’s stellar investment team. In his role as Chief Investment Officer, he will oversee the firm’s investment strategy, identify new opportunities, and guide portfolio construction and performance for control and non-control middle market investments, in collaboration with like-minded investors or strategic partners. He will focus on attractive businesses that are underperforming or in need of restructuring, rehabilitation and/or refinancing to realize their full economic potential. “Charles is a heavy hitter in the middle market who has enjoyed enviable success acquiring and investing in undervalued companies,” noted Mr. Palmer. “His leadership of our outstanding investment team will buttress our approach of blending value investment with a meticulous focus on risk management during both the underwriting process and our ownership.” “Joining forces with Deryck, one of the nation’s preeminent restructuring advisors and attorneys, creates a unique approach to address seemingly intractable middle market special situations,” Mr. Corpening said. “This exciting combination of capital and counsel will deliver true value to our partners through our deep restructuring and financial prowess. In these unpredictable times, we provide a trusted, experienced, and skillful hand to lead middle market businesses out of spiraling complexity and guide them safely home.” Drawing on his private equity background, Mr. Corpening brings deep experience partnering with management teams to drive value creation and accelerate growth through a range of strategic initiatives, including reinvestment in capital expenditures, new product development, targeted add-on acquisitions, and joint ventures. He has a particular strength in identifying and executing strategies that unlock potential in businesses facing financial, operational or structural challenges, with a focus on the industrial, financial, healthcare, and technology sectors. “The combination of Charles’ experience and West Lane’s unique approach to middle market special situations is incredibly powerful,” said Mr. Palmer. “His track record in private equity - providing capital, delivering value, and partnering with strong management teams - is a perfect match for our mission. We’re excited for Charles to help expand our investment team and continue attracting world-class talent to West Lane Partners.” About Charles E. Corpening Before joining West Lane Partners, Mr. Corpening was Senior Managing Director and Head of Investments Team for Ariel Alternatives and Project Black. Prior to that, he founded Joshua Partners, a firm dedicated to middle market private equity opportunities. Earlier in his career, Mr. Corpening was a longtime partner with Citigroup Venture Capital (CVC), with $10 billion in assets under management, and was a senior partner in the Industrials effort for Court Square Capital Partners, with $8 billion in assets under management. Mr. Corpening’s experience also includes roles as a private equity executive with The Rockefeller Group and Roundtree Capital. He began his career in investment banking at PaineWebber, working in the M&A and Merchant Banking groups. Mr. Corpening has served with distinction on numerous public and private company boards. He holds a bachelor’s degree from Princeton University and an MBA from Columbia Business School. About West Lane Partners West Lane Partners is a private equity firm whose senior leadership has over 150 years of collective restructuring and private equity experience working with underperforming, stressed and distressed companies across a range of industries in both large cap and middle market companies. In addition to providing capital, the firm combines decades of restructuring, private equity, legal and financial expertise to collaborate with management in developing and executing bespoke solutions that deliver mutually beneficial outcomes. Contact Details Meir Kahtan +1 917-864-0800 mkahtan@rcn.com Curtis Johnson, Investor Relations +1 973-404-0999 cjohnson@westlanepartners.com Company Website https://www.westlanepartners.com

May 07, 2025 11:30 AM Eastern Daylight Time

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HorizonPointe Financial Group Introduces Regional Market Analysis for Changing Economic Conditions

Rev Up Marketers

HorizonPointe Financial Group today released its Regional Market Analysis, providing clients with insights into economic trends across various geographic areas amid changing economic conditions. The analysis, developed by the firm's research department, examines key indicators across North America, Europe, and Asia-Pacific markets, offering perspective on regional economic developments and their potential implications for investment considerations. "Regional economic trends are showing increasing divergence," said Andrew Evan Watkins, Chief Analyst and Director at HorizonPointe Financial Group. "Our analysis aims to help clients understand these differences when considering portfolio construction." The research highlights several notable patterns across regions, including varying policy approaches, different inflation trajectories, and distinct sector performance. These observations reflect the increasingly complex nature of current economic conditions. North American Market Observations HorizonPointe Financial Group's analysis examines recent economic data from U.S., Canadian, and Mexican markets, noting differences in economic performance and policy direction. "North American economies are demonstrating varied responses to current conditions," noted James Wilson, North American Research Lead at HorizonPointe Financial Group. "Understanding these differences provides important context for regional allocation decisions." The analysis examines manufacturing activity, service sector development, and consumer spending patterns across the region, identifying areas of relative strength and potential vulnerability as economic conditions evolve. European Considerations In European markets, HorizonPointe Financial Group's research addresses varying economic indicators across northern, southern, and eastern European countries, noting how regional differences affect various market sectors. "European economic patterns continue showing meaningful variation," explained Sophia Bergmann, European Markets Director at HorizonPointe Financial Group. "These differences influence sector performance and create distinct considerations for European market positioning." The analysis examines recent developments in industrial production, consumer confidence, and policy approaches across the European region, providing context for understanding current economic trends. Asia-Pacific Development HorizonPointe Financial Group's research also explores economic conditions across major Asia-Pacific markets, examining growth rates, trade relationships, and sectoral developments. "The Asia-Pacific region demonstrates its own distinct economic patterns," said Dr. Raymond Chen, Head of Asia-Pacific Research at HorizonPointe Financial Group. "These regional characteristics inform our understanding of market dynamics and potential opportunities." The analysis considers various economic indicators, policy developments, and sector trends across major Asian economies, providing perspective on how these factors might influence regional market performance. Application for Portfolio Considerations The Regional Market Analysis offers several observations for clients considering portfolio construction during current market conditions. These include the importance of understanding different economic trajectories, recognizing policy divergence, and considering how various sectors might perform under regional economic conditions. "Regional economic understanding provides important context for thoughtful portfolio construction," Watkins noted. "As economic patterns continue evolving, this regional perspective helps inform allocation decisions across markets and sectors." HorizonPointe Financial Group's Regional Market Analysis is available to clients through the firm's advisory services. The firm plans to provide quarterly updates to this analysis as economic conditions develop throughout 2025. About HorizonPointe Financial Group: HorizonPointe Financial Group provides investment advisory services for institutional and individual clients. Founded in 2003 in Singapore and based in California since 2018, the firm manages assets with offices in multiple locations. Andrew Evan Watkins, Chief Analyst and Director, leads the firm's research initiatives. For more information, visit www.horizonpointefinance.com. Contact Details HorizonPointe Financial Group Andrew Evan Watkins +1 646-201-0278 media@horizonpointefinance.com Company Website https://horizonpointefinance.com/

May 07, 2025 06:53 AM Eastern Daylight Time

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HorizonPointe Financial Group Analyst Forecasts: Semiconductor Industry Accelerating Supply Chain Diversification as Regional Production Capacity Emerges as Competitive Focus

Rev Up Marketers

The global semiconductor industry is undergoing a profound transformation, with supply chains rapidly shifting toward multi-regional parallel production models. According to industry data, more than 30 major semiconductor companies have announced significant supply chain adjustment plans since the first quarter of this year. This shift marks the industry's evolution from decades of focus on globalized production efficiency toward a model emphasizing supply chain resilience and regional balance. Analysts point to geopolitical tensions and trade policy adjustments as core factors driving this transformation. HorizonPointe Financial Group Chief Analyst and Director Andrew Evan Watkins stated in an interview: "We are witnessing a fundamental transformation in the semiconductor industry. Companies are no longer simply pursuing cost minimization, but are focusing more on building resilient production networks capable of responding to multiple challenges." Investigations reveal that leading chip manufacturers have begun simultaneously expanding capacity across multiple regions. New facility investments in North America, Europe, and Southeast Asia have nearly doubled compared to the same period last year. Particularly noteworthy is that advanced packaging technology has become a focal point for competitive development across regions. "Advanced packaging could become the breakthrough point for regionalized production," explained Jennifer Miller, supply chain expert from HorizonPointe Financial Group. "However, equipment supply and specialized talent remain key factors constraining expansion speed. Successful companies are addressing these challenges through forward-looking talent development and equipment procurement diversification." Industry observations show significant differences in adaptation capabilities across different market segments. Memory chip manufacturers demonstrate relatively higher geographic flexibility, while advanced logic chip manufacturers face greater challenges when replicating highly complex processes. Concurrent with supply chain restructuring is a transformation in corporate inventory strategies. Industry reports indicate that major chip manufacturers have increased critical component reserves by approximately 40% while implementing more advanced tracking systems to optimize inventory management. Downstream electronics manufacturers are also adjusting procurement strategies to adapt to these changes. "Multi-source procurement has become standard practice," an industry expert noted, "single-supplier models carry too much risk in the current environment." HorizonPointe Financial Group's analysis emphasizes that these changes represent not merely cyclical adjustments but industry restructuring with long-term structural significance. Watkins pointed out: "What we're seeing is the semiconductor industry establishing new operational foundations that will reshape the global industry landscape for years to come." Experts predict that as regional production networks mature, semiconductor supply chain resilience will significantly strengthen, though challenges of rising costs and efficiency adjustments may be faced in the short term. Industry leaders are working to find a new balance between security and efficiency. About HorizonPointe Financial Group: HorizonPointe Financial Group is an independent research and analysis company focused on global economic and industry trends. The company was established in 2003 with headquarters in California, providing industry-specific insights in technology supply chains, manufacturing trends, and cross-border trade dynamics. Contact Details HorizonPointe Financial Group Andrew Evan Watkins +1 646-201-0278 media@horizonpointefinance.com Company Website https://horizonpointefinance.com/

May 07, 2025 06:50 AM Eastern Daylight Time

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Copper Property CTL Pass Through Trust Issues Monthly Reporting Package for April 2025

Copper Property CTL Pass Through Trust

Copper Property CTL Pass Through Trust (“the Trust”) has filed a Form 8-K containing its monthly report for the period ended April 30, 2025. An aggregate total distribution of $7.1 million or $0.095214 per trust certificate will be paid on May 12, 2025, to certificateholders of record as of May 9, 2025. Additional information, including the Trust’s Monthly and Quarterly Reports, as well as other filings with the Securities and Exchange Commission (“SEC”) can be accessed via the Trust’s website at www.ctltrust.net. About Copper Property CTL Pass Through Trust Copper Property CTL Pass Through Trust (the “Trust”) was established to acquire 160 retail properties and 6 warehouse distribution centers (the “Properties”) from J.C. Penney as part of its Chapter 11 plan of reorganization. The Trust’s operations consist solely of owning, leasing and selling the Properties. The Trust’s objective is to sell the Properties to third-party purchasers as promptly as practicable. The Trustee of the trust is GLAS Trust Company LLC. The Trust is externally managed by an affiliate of Hilco Real Estate LLC. The Trust is intended to be treated, for tax purposes, as a liquidating trust within the meaning of United States Treasury Regulation Section 301.7701-4(d). For more information, please visit https://www.ctltrust.net/. Forward Looking Statement This news release contains certain “forward-looking statements”. All statements other than statements of historical fact are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These statements may be identified by the use of forward looking terminology such as “anticipate,” “believe,” “continue,” “could,” “estimate,” “expect,” “intend,” “may,” “might,” “our vision,” “plan,” “potential,” “preliminary,” “predict,” “should,” “will,” or “would” or the negative thereof or other variations thereof or comparable terminology and include, but are not limited to, the Trust’s expectations or beliefs concerning future events and stock price performance. The Trust has based these forward-looking statements on its current expectations, assumptions, estimates and projections. While the Trust believes these expectations, assumptions, estimates and projections are reasonable, such forward-looking statements are only predictions and involve known and unknown risks and uncertainties, many of which are beyond its control. These factors, including those discussed in the Trust’s Registration Statement on Form 10 filed with the Securities and Exchange Commission (the “SEC”), may cause its actual results, performance or achievements to differ materially from any future results, performance or achievements expressed or implied by these forward-looking statements. For a further list and description of such risks and uncertainties, please refer to the Trust’s filings with the SEC that are available at www.sec.gov. The Trust cautions you that the list of important factors included in the Trust’s SEC filings may not contain all of the material factors that are important to you. In addition, in light of these risks and uncertainties, the matters referred to in the forward-looking statements contained in this news release may not in fact occur. The Trust undertakes no obligation to publicly update or revise any forward-looking statement as a result of new information, future events or otherwise, except as otherwise required by law. Contact Details Jessica Cummins +1 815-931-5380 Jcummins@hilcoglobal.com

May 06, 2025 04:19 PM Eastern Daylight Time

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Debt.com Study: 91% of Americans with Medical Debt Believe It Shouldn’t Affect Credit Ratings – But Legislative Threats to CFPB Could Jeopardize Protections

Debt.com

A recent nationwide survey by Debt.com reveals that nearly 90% of Americans carrying medical debt think it should not impact their credit scores. This comes shortly after the Consumer Financial Protection Bureau ( CFPB ) enacted a rule aimed at excluding medical debt from credit reports. Despite this progress, the future of this regulation is at risk, as some lawmakers are calling for its dismantling. The survey, which included 682 U.S. adults, found that the majority of participants support the CFPB’s decision. Specifically, 91% of those with medical debt believe it should be excluded from credit reports. Over half of those surveyed reported that their credit scores have already been negatively affected by medical bills, with some individuals seeing their scores drop by over 100 points. “Medical expenses are often unavoidable and don’t reflect an individual’s financial responsibility,” stated 30% of the respondents. Additionally, 10% noted that the credit scoring system is too complex and unreliable for accurately assessing creditworthiness. Howard Dvorkin, CPA and Chairman of Debt.com agrees, “We don’t penalize people for getting sick, but that’s exactly what happens when medical debt lowers their credit score. This isn’t about dodging responsibility—it’s about recognizing that health emergencies shouldn’t derail someone’s entire financial future.” Howard Dvorkin CPA and chairman of Debt.com The survey paints a troubling picture of how deeply medical debt is woven into American lives: 51% currently owe medical debt 59% say their debt has led them to skip or delay necessary care 20% owe $10,000 or more 9% owe $50,000 or more Among those with damaged credit: 30% saw their credit score fall by 50–100 points 14% saw a drop of more than 100 points more than 100 points “Medical debt doesn’t just show up on a credit report—it shows up in everyday life”, says Don Silvestri, President of Debt.com. “It drains savings, delays goals, and forces people to make impossible choices between their health and their finances.” Don Silvestri President of Debt.com To pay for medical debt, survey respondents took a hit to their financial stability: 36% wiped out their emergency savings 26% tapped retirement funds 26% charged medical bills to credit cards 17% struggled to afford rent, utilities, or food As inflation continues, 86% say it’s become harder to pay off medical debt. The consequences are not only financial but deeply personal with 57% saying debt is delaying major life goals like higher education, marriage, homeownership, or starting a family. Millennials are the most affected, with 62% reporting that medical debt is holding them back. Debt.com’s data suggests Americans overwhelmingly oppose the idea of the CFPB medical debt protections ending—and want solutions that reflect financial reality, not punishment for medical emergencies. About Debt.com Debt.com is a leading resource for personal finance education and debt solutions. In partnership with certified credit counselors and financial professionals, Debt.com helps individuals navigate challenges related to credit, budgeting, student loans, and more. Contact Details Jill Randolph JRandolph@mediamgmtgroup.com Company Website https://www.debt.com/

May 06, 2025 01:13 PM Eastern Daylight Time

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