Tag Archives: conservative

PFF Dodges Bullets From The Banking Sector

Preferred stock ETFs were once considered a tiny corner of the alternative income marketplace that had dodged the bullet of credit contraction. High yield mainstays like junk bonds, master limited partnerships, and even REITs have felt the pain of income investors reeling in their risk targets and running for the safety of high quality bonds. That picture changed dramatically this month as the iShares U.S. Preferred Stock ETF (NYSEARCA: PFF ) fell 5% from high to low and is scrambling to claw its way out of the abyss. This uptick in volatility may come as a surprise to many who had become accustomed to small prices changes in the index over the last several years. Preferred stocks are somewhat of a hybrid instrument that carry qualities of both equity and debt instruments. Therefore, with interest rates falling, it must be an equity-driven event that is causing this turmoil. A quick check behind the scenes of PFF reveals that this fund owns a diversified mix of 260+ individual preferred securities. Yet the single largest underlying sector is banks (42%) and diversified financial companies (18.50%). Together these two groups make up over 60% of the total portfolio and will therefore contribute an outsized portion of the fundamental price action. An overlay of PFF versus the SPDR S&P Bank ETF (NYSEARCA: KBE ) shows that the preferred stock index began a pronounced downside move in tandem with the sharp dive in publicly traded bank stocks (blue line). Click to enlarge PFF had a much more muted percentage drop than KBE. However, it is clear that the stress in banking stocks is also translating to a measure of fear in the underlying preferred market as well. Another interesting phenomenon with this price action has been the relatively swift and sharper recovery in PFF versus KBE. While banks are barely off their lows, PFF has been able to recover more than half of its corrective move. Only time will tell if this V-bottom formation will hold or if there will be another round of selling that will again test the resolve of income investors. I have owned PFF for clients in my Strategic Income Portfolio for a number of years and have been pleased with its makeup and performance over that time frame. A fund of this nature provides us with exposure to an alternative asset class with a much lower beta than a traditional dividend equity fund. It has also demonstrated a much stronger comparable income stream than a diversified bond fund. We view preferred stocks as a tactical opportunity in the context of a diversified income portfolio . This means that they are typically sized smaller than a core holding and may be added or removed as necessary to accommodate the current interest rate or stock market environment. Moving forward, I will be closely monitoring the price action in this sector to determine if we should scale back our position or continue to hold as this recovery develops further. Either way, our process will entail incremental steps and a thorough evaluation of the income landscape to ensure proper alignment with our conservative mandate . Disclosure: I am/we are long PFF. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it. I have no business relationship with any company whose stock is mentioned in this article. Additional disclosure: David Fabian, FMD Capital Management, and/or clients may hold positions in the ETFs and mutual funds mentioned above. The commentary does not constitute individualized investment advice. The opinions offered herein are not personalized recommendations to buy, sell, or hold securities.

Eversource Energy (ES) Thomas J. May on Q4 2015 Results – Earnings Call Transcript

Operator Welcome to the Eversource Energy Fourth Quarter Earnings Call. My name is John, and I’ll be our operator for today’s call. At this time, all participants are in listen-only mode. Later, we will conduct a question-and-answer session. Please note, the conference is being recorded. And I would now like to turn the call over to your host, Jeff Kotkin. Jeffrey R. Kotkin – Vice President-Investor Relations Thank you, John. Good morning and thank you for joining us. I’m Jeff Kotkin, Eversource Energy’s Vice President for Investor Relations. We posted slides last night on our website that we will reference during our remarks today. And as you can see on slide one, some of the statements made during this investor call may be forward-looking as defined within the meaning of the Safe Harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on management’s current expectations and are subject to risk and uncertainty, which may cause the actual results to differ materially from forecasts and projections. Some of these factors are set forth in the news release issued yesterday. Additional information about the various factors that may cause actual results to differ can be found in our Annual Report on Form 10-K for the year ended December 31, 2014 and our quarterly report on Form 10-Q for the three months ended September 30, 2015. Additionally, our explanation of how and why we use certain non-GAAP measures is contained within our news release and the slides we posted on our website under Presentations and Webcasts and in our most recent 10-K and 10-Q. Turning to slide two, speaking today will be Tom May, our Chairman, President and CEO; Lee Olivier, our Executive Vice President for Enterprise Energy Strategy and Business Development; and Jim Judge, our Executive Vice President and CFO. Also joining us today are Werner Schweiger, our Executive Vice President and COO; Phil Lembo, our Vice President and Treasurer; Jay Buth, our Vice President and Controller; and John Moreira, our Vice President of Financial Planning and Analysis. Now, I’ll turn over the call to Tom and slide three. Thomas J. May – Chairman, President & Chief Executive Officer Good morning, everyone. I have the easy job this morning of making the introductions and let me start by saying surprise, surprise. We’ve had another great year. Jim, in a minute, will take you through all the numbers to explain that. And Lee will take you through the significant big capital projects that we have. And they will both report on great progress. So, we’re moving along quite nicely. One of the things that we have been focusing on for the last four years is customer service. Those of you that know me, I’m a nut about customer service. And I think that in 2016, operationally, we had the best ever year with record reliability, record number of customers we were able to connect into our gas system. And we think we did that at a time when the delivery part of our bills have been very, very stable. In 2016, we think we’re going to bring it to the next level. We’re focused on the customer touch points. We have successfully implemented a new outage management system throughout the three states so that, if you will, our order entry system is consistent for all 3.5 million of our customers. And with this technology, which has great connectivity between our customers and our electrical components, we’re going to be able to take it to the next level with a communication strategy that will let the customers know exactly what’s going on at all times with their system and their connections. We’re also going to be rolling out a new bill, new website, again, important interactions with the customer that we think are the key to our success long-term. For the region, as you know, it’s an exciting time in New England. We are in a very unique phase. I think just last week, Gordon van Wheelie, who runs ISO New England, made a great presentation to the business community, and its focus was the needs going forward. And critical, first thing that he addressed is the gas infrastructure needs, showed the difference between our pricing and New York and other regions in the winter timeframes when our gas infrastructure experiences constraints, and whether gas prices are high or gas prices are low, the differential is very significant. He also talked about the transmission system and the impacts that are going to be felt as we as a region meet our carbon reduction goals and move almost 35% or more than 35% of our fossil generation over the renewable generation. And so, exciting time and we’re right in the middle of that and we’ll talk more about that. And for investors, of course, you know that we work for you. The foundation for TSR, which we measure very carefully, is growing earnings per share and growing dividends. And that’s what we’ll talk to you about our ability to continue that as we go forward. And as we do that, we think we will provide attractive returns while maintaining the highest credit rating in the industry. If you flip to page four, my favorite slide in the deck, we continue to outperform our peers in the market over the long-term. Last year was kind of a flat year. We do believe we did better than the industry. And as you can see by the bottom chart, as long as we keep our dividends growing, and this week, we raised our dividend 6.6% or $0.11, and despite that, we still, as you know, have a very modest payout ratio. I won’t dwell on those numbers, although I do like to. The last slide I just would mention before I turn it over to Lee is page five. And we’re really quite proud of this. We’ve grown into a role as a regional leader. I referenced the recent ISO New England presentation that Gordon made and their view on the regional challenges. But what has been very interesting, and Lee is in the center of all this, is that as the largest player in New England, we seem to be the one that everybody comes to when they think they can help our customers in the region achieve our energy goals. And so, we’re working with several partners to help create the solutions that will bring us to the modern era, whether that’s the pipeline constraints that I mentioned. Again, we think we have the best project and the best partner in the form of Spectra Energy that allows us to use existing facilities that pass by every one of our most efficient new gas-fired units in New England. And with our plan, we’ll keep those units in the competitive queue each and every day of the winter. On the renewable energy side, we think we have – and there we’ll probably talk a little bit more about the three-state RFP, but as we look at that, we think we have really the only dispatchable project that can flow a substantial amount, no pun intended, of carbon-free energy into the region at the peak times that will, again, affect the pricing in the queue. Whether it’s the oil heat dependency that, in particular in Connecticut, is a key program in the Connecticut energy policy, we found this year that despite the fact that the gap between oil and gas shrunk considerably that people still want to convert. And we were able to convert about 11,000 customers last year. And I think we already converted 1,000 in January. So, the mild weather, while we don’t like it from a sales perspective, allows us to continue and get a lot of work done. And, of course, the forefront of everything in New England in terms of solving our energy problems and backing out carbon is energy efficiency. It’s the cheapest way to achieve our objective. We have award-winning EE programs. As this slide says, we spent $0.5 billion a year, but last year we actually exceeded our goals. Spent less, exceeded our megawatt hour goals and had our incentives. We exceeded our plan by about $5 million on the incentive side. So, we’re very proud of that. The bottom line is we want our customers to see us as the solution to their energy concerns. And that’s why it’s an exciting place to be, New England, and for us to be in the center of all this. And with that, I know you would like to hear more about the projects. Every time I’m in front of a group, they want to ask about Northern Pass or Access Northeast, and even my board is always interested in what’s going on with the projects. So with that, I’ll hand it over to Lee to give you more flavor on progress report on where we are with some of these stuff. Leon J. Olivier – EVP-Enterprise Energy Strategy and Business Development Okay. Thank you, Tom. I’ll provide you with brief update on our major investment initiatives and then turn the call over to Jim. Let’s start with Northern Pass and slide seven. In December, the Hampshire Site Evaluation Committee, or SEC, determined that our Northern Pass application is complete and commenced the formal review process. As part of that process, the SEC held five public information sessions on the project in January and will hold another round of public hearings later this quarter. Simultaneously, we continue to respond to questions about the project from the multiple state agencies that are participating in the review. As you can see from slide eight, we’re expecting the Hampshire SEC to vote on the Northern Pass, consistent with its current schedule, which concludes on December 19. In parallel, the U.S. Department of Energy will host a series of four public hearings on its draft Environmental Impact Statement or EIS on Northern Pass the week of March 7. Two of them will be held jointly with the New Hampshire Site Evaluation Committee. Written comments on the draft EIS are due to the DOE by April 4. We expect the DOE to finalize the EIS in the second half of this year and anticipate a Presidential Permit issue soon after than the Hampshire SEC process has concluded. That time table has not changed and we ensure that all relevant conditions of the SEC decision will be reflected in the Presidential Permit as well. We continue to feel very good about the review process on Northern Pass. We’re receiving strong support for the project both inside and outside of New Hampshire. At the first public information session last month in Franklin, New Hampshire, where the DC to AC converter station will be located, we received significant support from local leaders, the business community and labor representatives. In Massachusetts, Governor Baker said in his State of the State speech last month that increasing access to affordable hydroelectric power was the top priority of his administration. As Jim will discuss in his remarks, our new capital expenditure forecast reflects revised $1.6 billion of cost of the project we announced in October and also allows the vast majority of the construction to take place in 2017 and 2018. As you probably know, Northern Pass is one of two projects connected to Eversource that were bid into the joint state RFP. As shown on slide nine, the other project is the Clean Energy Connect. This project involves construction of the new 600 megawatt, 25 mile transmission line between a transmission substation we own in Hinsdale, Massachusetts and a transmission substation in Easton, New York State. This project will utilize a back-to-back HVDC converters to ensure deliverability into New England. We are developing it with Brookfield, and Iberdrola, and EDP Renewables. These partners already have a presence in New York. They’ve not been specific about the cost, but our share, which is entirely a transmission investment, will be more than $400 million. If approved as part of the RFP, we expect this project to be built in the 2018 through 2020 timeframe, and for our investment to earn returns consistent with FERC-regulated transmission investments. Each of the three states involved in the Clean Energy RFP; Massachusetts, Connecticut and Rhode Island will go through a process to select the winning bids and submit them to regulators for approval. The RFP schedule is on slide 10. As you can see, we expect contracts with the successful bidders to be executed by the end of the third quarter and for the contracts to be approved by the end of this year. We believe that the two projects we are jointly proposing represent the region’s best options for low-cost, firm, reliable and non-carbon emitting resources. Regarding Northern Pass, our bids into the RFP does not change in any respect the significant benefits this project will provide to the host state of New Hampshire. Our Forward New Hampshire plan remains in place. We anticipate $80 million per year in energy savings to New Hampshire, additional savings specific to New Hampshire as a result of a power purchase agreement with HQ, a commitment to hire New Hampshire workers first, a $200 million fund to support economic development and community initiatives, as well as other benefits. I’ll now turn to slide 11 and the Access Northeast project we plan to build with our partners, Spectra Energy and National Grid. To remind you, Access Northeast is a $3 billion project to upgrade the existing Algonquin pipeline and add 6.8 billion cubic feet of LNG storage in Acushnet, Massachusetts to bring firm gas supplies to power generators in New England. Our share of the Access Northeast project is 40% or $1.2 billion. FERC has accepted the pre-filing we made last year and we’re continuing to submit information on the project to FERC as part of that process. In January, FERC staff completed 13 open houses on the project in the region. We plan to make our formal application filing late this year to meet our initial in-service date of 2018. The project is designed to add 900 million cubic feet per day of natural gas supplies to serve the region’s power generators during cold winter periods. That will allow up to 5,000 additional megawatts of the region’s most efficient and low-cost units to remain online when winter temperatures drop, saving New England customers approximately $1.5 billion to $2 billion in a typical winter, and approximately $3 billion in an extreme winter such as 2013, 2014. The Access Northeast builds off the existing Algonquin footprint, which already touches 60% of the power generation in New England, a percentage that will grow as new proposed plans are built. The project allows direct last mile deliveries to the power plants to ensure greater reliability and cost benefits. The business models that the electric utility signed pipeline capacity contracts for up to 20 years with Access Northeast and then retain an independent capacity manager to market that capacity to generators. Without Access Northeast, those generators are frequently unable to run their units during cold weather when the region’s existing pipeline capacity is used primarily to heat homes and businesses. The large amount of new pipeline capacity is set aside to meet the needs of natural gas generators, we can depend less on more costly and higher-emitting coal and oil plants that typically run when the region’s natural gas supplies run shot. We have made significant progress in the past three months. The status of securing approval of contracts with the wind and electric distribution companies is on slide 12. Following an RFP this past fall that attracted a number of bids, NSTAR Electric and Western Mass Electric filed with the Massachusetts Department of Public Utilities in December seeking approval of contracts for pipeline and storage capacity with Access Northeast. The two utilities asked for a decision by October 1 of this year. The National Grid’s two Massachusetts electric distribution companies, Massachusetts Electric and Nantucket Electric, made a similar filing with the DPU on January 15. Once approved by the Department of Public Utilities, these contracts will account for nearly 45% of the Access Northeast targeted capacity. In Connecticut, the natural gas capacity RFP will be run the State Department of Energy and Environmental Protection, or DEEP. We expect this process to be complete later this year. In New Hampshire, the Public Utilities Commission issued an order on January 19 in which they accepted a staff report that concluded that the PUC had sufficient authority to approve electric distribution contracts for natural gas supplies if those contracts are shown to be in the customers’ interest. If the PUC Commission has agreed with the staff that they have sufficient authority to approve such agreements, they would then determine whether the specific contracts submitted were in the customers’ best interest. In Maine, where regulators have been engaged on the natural gas contracting issue for some time, bidders were given an opportunity to refresh their proposals in December. State regulators are scheduled to reach a decision on recommended solutions by mid-year. In Rhode Island, National Grid issued an RFP in November. At the same time, the Massachusetts electric distribution companies issued their RFP. We expect National Grid to make a decision and file in the coming months with Rhode Island. In the Vermont, the state has expressed support for additional natural gas infrastructure, but its level of participation has yet to be determined. We expect that the state processes will be concluded this fall so that we can file our formal application with FERC before the end of 2016. We continue to believe that Access Northeast offers an excellent near-term and long-term answer to the region’s intensifying winter energy supply challenges. Now, I’d like to turn the call over to Jim. James J. Judge – Chief Financial Officer & Executive Vice President Thank you, Lee, and I’d also like to thank you all for joining us this morning. Turning to slide 14, I’ll start by covering our financial and operating results for the fourth quarter and the year, our 2016 outlook and long-term EPS growth expectations through 2019, current regulatory developments in the absence of rate case activity for the next 12 to 18 months, and I’ll conclude with a brief overview of how we’ve delivered on the commitments that we made to investors in recent years. Let’s start with the fourth quarter. As you can see from slide 15, earnings, excluding integration costs, were $0.60 per share in the fourth quarter 2015 compared with earnings of $0.72 per share in the fourth quarter of last year. The $0.60 per share is consistent with the guidance that we gave on the third quarter earnings call and consistent with the updated Street estimates that have been published this year. Electric distribution and generation earnings declined by $0.07 per share to $0.28 per share in the fourth quarter 2015. Higher retail electric revenue, mostly due to the December 2014 Connecticut Light & Power distribution rate decision, added about $0.05 per share to earnings, but that impact was offset by higher property taxes and depreciation expense due to higher plant balances and higher amortization expense due to the amortization of CL&P’s deferred storm balance. Earnings for NSTAR Electric and Public Service in New Hampshire, which do not have revenue decoupling, were lower due to milder weather. Earnings in this segment were also lower due to a higher effective tax rate in the fourth quarter of 2015 compared with the same period last year. On the consolidated basis, our effective tax rate was approximately 39.4% in the fourth quarter of 2015 compared with 35.4% in the fourth quarter a year ago. The higher rate lowered consolidated earnings in the quarter by about $0.04 per share. As expected, transmission earnings were down $0.03 per share in the fourth quarter of 2015 due to the absence of the fourth quarter 2014 reversal of a reserve related to FERC’s review of the New England transmission ROEs. The historically mild temperatures this past December were the primary reason for a $13.2 million or $0.04 per share decline in our natural gas segment earnings. Lower natural gas revenues alone cost us $0.03 per share, despite having 2% more heating customers in the fourth quarter of 2015. Average temperatures in Boston and Hartford were 10 to 12 degrees warmer than average in December. As a result, our firm natural gas sales were down 16% in the fourth quarter of 2015 compared with a fairly mild fourth quarter of 2014. Parent and other improved by $0.02 per share compared with the fourth quarter of 2014. I’ll now turn to full year results. Excluding integration charges, we earned $2.81 per share this year compared with $2.65 in 2014. 2015 results were consistent with our guidance of $2.80 to $2.85 per share and also consistent with recently updated Street estimates. As you can see in the news release, the most significant driver of earnings growth in 2015 was higher electric revenue, which added $0.39 per share to our results compared with last year. The primary driver was approximately $150 million distribution rate increase for Connecticut Light & Power. We also benefited from a 0.3% increase in retail electric sales. Those higher revenues were offset in part by higher property taxes, depreciation and the CL&P storm amortization expense in 2015. Higher electric transmission earnings also contributed to improved year end results. Our transmission segment earned $0.96 per share in 2015 compared with $0.93 in 2014, benefiting in part from a higher level of investment in the business. As a result of our robust capital program, our transmission rate base was approximately $5.2 billion at the end of 2015 compared with $4.9 billion at the end of 2014. Those benefits were partially offset by FERC’s decision last year to lower the base transmission ROE in New England to 10.57% from the previous 11.14% and to cap our ROEs on any reliability project, regardless of previously approved incentives at 11.74%. As we’ve said in the past, those changes have reduced our effective transmission ROE, including incentives, to approximately 11.5%. Turning to our natural gas distribution business, after a very strong start, our year end 2015 results were almost identical to those that we recorded in 2014. For the year, due to the warm fourth quarter, firm natural gas sales were down 1% after being up 8.4% in the first quarter of 2015. On a weather-normalized basis, sales rose 2.5% for the year. Parent and other results were down $0.01 for the year. Two other items worth mentioning in 2015 were the benefits of lower O&M and the negative impact of a higher effective tax rate. Lower non-tracked O&M added $0.08 to earnings in 2015. This follows a $0.23 per share benefit in 2014 and a $0.05 per share benefit in 2013. Altogether, we have reduced our O&M by about $250 million since the merger closed in 2012. Offsetting much of that benefit was a higher effective tax rate in 2015, which lowered earnings by about $0.06 per share as compared with the previous year. So, in spite of the warm fourth quarter, we were still able to grow earnings for the year by $0.16 per share or 6% in 2015. Turning from the financial slide to operations, as you can see on slide 16, our key reliability statistics have dramatically improved and are record levels, as Tom mentioned. Since 2011, the number of months between interruptions and the speed of restoration when outages do occur have both improved by about 40%. We are well up in the top quartile of our peers, so very proud of this accomplishment. This closes our 2015 discussion. Let’s move on to 2016. On slide 17, you can see we’ve established an earnings per share range of $2.90 to $3.05 this year. The biggest year-over-year benefit will come from growth of our transmission rate base. The second biggest positive driver will be the natural gas segment. We expect that segment to benefit from a continued increase in natural gas heating customers, various capital initiatives for which we have trackers, and a $15.8 million base rate increase that was effective at NSTAR Gas on January 1 of this year. Other drivers include lower O&M. In the first quarter of this year, we will migrate our legacy payroll and benefits system to a single IT platform, which we’ve already done with our accounting and our outage management systems. Consolidating to a single system is expected to significantly improve efficiency and lower cost in the future. Offsetting these benefits are continued increases in depreciation, property taxes and modestly higher interest costs, reflecting continued investment in our distribution systems. From 2016, let’s turn to the longer term in slide 18. We estimate that we can grow earnings per share by 5% to 7% annually over the 2015 to 2019 forecast period. This compares with our previous growth rate of 6% to 8% for the 2014 to 2018 period. Nearly all of that change is attributable to the five-year extension of bonus depreciation for tax purposes recently passed by Congress. We estimate that bonus depreciation alone is lowering our growth rate by approximately 1%. Components of the 5% to 7% growth are similar to what has driven the 7.2% annual earnings growth since our 2012 merger. We’ve also noted our key assumptions about major projects, which include the completion of Northern Pass in 2019 and the construction of Access Northeast in 2018 and 2019. Because significant Access Northeast construction is expected to continue beyond our forecast period, we anticipate that it’ll contribute to earnings growth in both 2020 and 2021 as well. Electric transmission capital expenditures and rate base growth are the primary drivers of our attractive earnings growth projection. Turning to slide 19, you can see that capital expenditure projections are up significantly from the forecast we showed you a year ago. To begin, I should note that our transmission capital expenditures totaled $807 million in 2015. That’s about $67 million above our projection at this time last year. We now show nearly $5 billion of electric transmission investment from 2015 through 2019. As we do every year, we have again identified transmission investments that we didn’t have in the plan one year ago. We’ve added about $800 million of new investment, $200 million of that increase involves our previously announced increase in the Northern Pass project. We are projecting transmission capital expenditures of $911 million in 2016, $880 million of which will be spent on reliability related transmission projects at our four regulated electric companies. Two of the largest initiatives, the Greater Boston and Greater Hartford projects, involve dozens of individual projects and are described more fully in the transmission slides in our Appendix. Those expenditures are helping to drive the significant improvements in reliability and transmission earnings growth in 2016. You can see that we expect little capital spending on Northern Pass in 2016, but considerable expenditures in 2017 and 2018, consistent with the schedule that Lee gave you earlier. These capital expenditure projections do not reflect our spending on the Clean Energy Connect project Lee discussed earlier, which we expect to contribute to earnings growth from 2018 to 2021. We continue to work on both Clean Energy Connect and other potential projects that we expect to be approved. As a result, the arrow on the slides shows that we do not expect a significant decline in transmission spending in 2019, but we have not included all of the potential projects that are likely to be built that year. Because we are in a competitive bidding process, we are not providing a total cost of the Clean Energy Connect project or a year-by-year estimate for capital expenditures. We hope to provide that to you should the project be selected. Let’s turn to slide 20. On the left-hand side, this slide shows our capital program, excluding both Access Northeast and Clean Energy Connect. From 2016 through 2019, we expect to invest $9.2 billion in New England’s energy infrastructure, including $3.9 billion in transmission that I mentioned earlier. You can see that electric and natural gas distribution capital totaled about $1.2 billion every year during that period. A slide in the appendix shows that investments in our natural gas delivery system will comprise a rising percentage of that investment. On the right-hand side, we have estimated the pace of our $1.2 billion projected investment in the Access Northeast project, which costs a total of $3 billion. Our FERC application indicates that elements of Access Northeast will be phased into service between late 2018 and 2021. On slide 21, we illustrate how the composition of our rate base is expected to change by the end of 2019. About $2.5 billion of the $3.6 billion of rate base growth over the next four years is expected to come from electric transmission. By the end of 2019, we expect that electric transmission will comprise 42% of our total rate base. And if our Access Northeast and Clean Energy Connect investments were included, it puts us at nearly 50% FERC-regulated company by the end of 2019. We believe that this rising percentage of FERC investments will result in an increasing ROE for Eversource Energy as a whole. Slide 22 shows various initiatives that we expect to continue beyond our current four-year forecast. As I said earlier, we expect significant expenditures on Access Northeast, Clean Energy Connect and other projects we’re working on. We also expect continued work on modernizing the electric grid in Massachusetts, assuming our $430 million five-year plan and capital tracker are approved by the state regulators we expect later this year. A lot of initiatives are primarily tied to growing our natural gas distribution business. Turning to slide 23, you can see that despite declining oil prices, we added 11,415 new natural gas customers in 2015. This is about 7.5% ahead of 2014 and 4% ahead of our target for the year. The slide shows that we expect new heating customer growth to continue to accelerate over our forecast period and eventually reach about 16,000 per year, significantly aided by legislatively-endorsed initiatives in both Connecticut and Massachusetts. In 2016, we’re projecting approximately 12,500 new natural gas heating customers, and Tom mentioned that one month into the year we’re on plan. Slide 24 reviews two important regulatory items that are currently pending. Hearings on the divestiture of our New Hampshire generation fleet were completed this week and we expect a decision within the next two months. Last week, a settlement was filed with certain advisory staff at the New Hampshire PUC, who had earlier supported a delay to the sale. They now support near-term divestiture. Should the New Hampshire PUC authorize the divestiture, we expect the sale process and securitization to be completed later this year and early next year. As a reminder, we expect full recovery of approximately $700 million invested in New Hampshire generation by early 2017. In December, the FERC Administrative Law Judge handling the second and third New England transmission ROE complaints requested some additional briefing on an aspect of the second complaint. So an initial recommendation by that ALJ was delayed from December 2015 to the end of March 2016. Because of that three month delay by the ALJ, we now expect to receive a decision from FERC on the two complaints in either late 2016 or early 2017. As you can see on slide 25, we have no general rate cases currently pending for any of our six regulated distribution utilities. And while we do expect rate case activity next year, we expect that any decisions would not impact our financial results until the end of 2017 or early 2018. So we have very good visibility into our distribution company results for the next two years. Turning to this year’s financing calendar, 2016 is likely to be similar to last year. One benefit of bonus depreciation, of course, is that it lowers our cash tax obligation. In 2016, we will receive an estimated $250 million to $300 million in refunds from taxes paid in 2015. Additionally, we expect our cash tax liability for 2016 to be lowered by approximately $300 million as well. In 2017, bonus depreciation is estimated to lower our cash tax obligation by another $300 million. Slide 26 shows the current distribution of S&P’s electric utility credit ratings, with Eversource as the only A-rated parent company as a result of our upgrade last year. We’ve also noted on the slide several positive outlooks on other subsidiaries at both Fitch and Moody’s. Slide 27 shows the relative price performance of Eversource’s shares versus the S&P 500 and the UTY, since our merger was announced more than four years ago. We’re very proud of our total shareholder return, as well as our strong credit ratings. We strongly believe that financial strength and attractive shareholder returns can certainly both coexist and do at Eversource. Slide 28 sums up what we have delivered to customers, policymakers and investors over the past four years. We committed that we’d exceed industry earnings per share and dividend growth rates and we delivered with growth rates that are two times the industry average for three years. We targeted O&M reductions of 3% to 4% and we achieved 5% per year for three years on average. We said we’d maintain the strong financial condition. We’ve done better than maintain. Three upgrades since the merger announcement has us with the only single A credit in our industry. We committed to top-tier service and reliability, a 40% improvement in reliability has us now consistently in the top-quartile of our peers. We committed to grow and leverage our transmission and gas business. This morning, we’ve discussed the great portfolio of projects that will continue that great growth. And finally, advancing energy policy in the region, our Access Northeast project, Northern Pass and Clean Energy Connect are game changers, cost effectively advancing the region’s carbon reduction agenda effectively. Eversource continues to be a very attractive offering for investors and we’re confident it will continue to be in the years ahead. Now, I’ll turn the call back to Jeff. Jeffrey R. Kotkin – Vice President-Investor Relations Thank you, Jim. And I’m going to turn the call back to John just to remind you how to enter questions. John? Question-and-Answer Session Operator Thank you. We’ll now begin the question-and-answer session. Jeffrey R. Kotkin – Vice President-Investor Relations All right. Thank you, John. First question this morning is from Greg Gordon from Evercore ISI. Good morning, Greg. Greg Gordon – Evercore ISI Good morning, guys. So, this whole bonus depreciation thing is a high-class problem, obviously significantly increases the cash flow even though it’s a bit dilutive to rate base growth. But I’m just wondering, you said that the vast majority of the reduction in the growth rate is due to bonus and yet you’ve also significantly increased your capital expenditure budget, so, algebraically, that means that the overall growth rate is more than 1% lower before the offset of the higher capital plan. So, is bonus, in fact, the sole driver of that or are there other factors? James J. Judge – Chief Financial Officer & Executive Vice President No. I would say that bonus is the sole driver of it. The numbers that I mentioned, Greg, $300 million a year, obviously the pancaking impact of that, when you look at 2015, 2016, 2017 and beyond, has a significant impact on our cumulative deferred income taxes, and we’re obviously a purely regulated T&D company. So, it does impact our ability to earn. And I’ve seen a number of estimates out there where companies have – analysts have estimated that it’s about a 1% increase on a company – decrease on a company like Eversource. I would tell you this that, as you well know, that we have a long track record, Tom and I, 20 years of delivering on guidance either meeting or exceeding it. And the other thing that I’ve mention is we tend to provide data to the Street, forecasted data, capital expenditure data, that ties out to the dollar to projects that we have in the queue. So, we have obviously updated the forecast for the projects that we have and the impact has been of a 5% to 7% growth rate is a better guidance for Wall Street, a more credible guidance than the 6% to 8% that we had previously. That being said, I’ll tell you that a year ago, we didn’t provide capital expenditure numbers for Access Northeast and look how long that project – how far along that project has come. Three months ago at our third quarter call, we didn’t provide any guidance. Clean Energy Connect wasn’t even mentioned as a project and we now have that before the regulator to be approved. So, we tend to find projects going forward. We don’t put them into our plan until they’re real. So, I think we have a very credible 5% to 7%, with some upside going forward. Greg Gordon – Evercore ISI Yeah. I agree. One last question. Are you electing to take bonus on Northern Pass, or are you going to choose to not take bonus on that particular project? James J. Judge – Chief Financial Officer & Executive Vice President We have customers paying for it and it’s largely a FERC type of formula and cost recovery mechanism. So, we would expect the benefits of bonus depreciation to be shared with customers. Greg Gordon – Evercore ISI Okay. Thank you, guys. Have a good morning. Jeffrey R. Kotkin – Vice President-Investor Relations Yeah. Thanks, Greg. Next question is from Dan Eggers from Credit Suisse. Good morning, Dan. Daniel L. Eggers – Credit Suisse Securities ( USA ) LLC (Broker) Hey. Good morning, guys. Just following up on Greg’s question on the bonus depreciation side. You think about in 2016 and 2017, you’ll bring in about $900 million of bonus cash and then you’ve got the proceeds from the New Hampshire sale or securitization coming in probably early 2017. How are you guys thinking about kind of using that incremental pile of cash relative to old expectations where you didn’t need equity without having that cash coming? James J. Judge – Chief Financial Officer & Executive Vice President Well, we still don’t need equity. And that’s obviously cash that can be redeployed towards projects. That’s capital. That’s shareholder capital. And if it turns out that we can’t redeploy it towards new projects, we certainly would consider giving it back to shareholders in the form of increased dividends or more effectively through a share buyback, if need be. Daniel L. Eggers – Credit Suisse Securities ( USA ) LLC (Broker) I mean, I guess, how are you accounting for that extra cash in the growth rate? Are you assuming that it kind of accumulates on the balance sheet or is that – is there some redeployment assumption in the underlying growth rate? James J. Judge – Chief Financial Officer & Executive Vice President In the underlying growth rate, we actually are very, very cash strong. And so, again, absent another project to invest it in, we assume a share buyback would be the best application of it. Daniel L. Eggers – Credit Suisse Securities ( USA ) LLC (Broker) Okay. And I guess, Tom, the merger has been very successful for you, guys. You’ve executed on what you had laid out when you did the deal, had a very convenient name change along the way. How do you think about M&A at this juncture? And given your success thus far, is this something you could take on the road again? Thomas J. May – Chairman, President & Chief Executive Officer We have a very strong company. We are also in a very exciting place in New England. You get a sense of what – you have a sense of what we’re telling you and you don’t a sense it’s on our to-do list, but there is a lot happening in New England and it’s pretty exciting. And that’s why, as Jim said, we’ll have fun with capital allocations. We hope there are more and more projects to deploy our excess capital in, but if not, we’re very flexible and we’re very shareholder-oriented. On the M&A side, I’ll just say that we’ve always been big believers that consolidation in our industry makes sense. However, we have also been very selective with respect to what makes sense for our shareholders and for our customers. And we do believe that, and I think we’ve proved it over the years that you can actually spend less money operating a business and provide world-class service and improve service along the way by using size and scale and technology. But things are pretty overheated right now. We do believe that you go through ebbs and flows. There’ll be opportunities. Right now, we’re focused on executing the plan we put in front of you. Daniel L. Eggers – Credit Suisse Securities ( USA ) LLC (Broker) Got it. Thank you, guys. Jeffrey R. Kotkin – Vice President-Investor Relations Thanks, Dan. Our next question is from Julien Dumoulin-Smith from UBS. Good morning, Julien. Julien Dumoulin-Smith – UBS Securities LLC Good morning. Can you hear me? Jeffrey R. Kotkin – Vice President-Investor Relations Yeah, absolutely. Thomas J. May – Chairman, President & Chief Executive Officer Yeah. Julien Dumoulin-Smith – UBS Securities LLC Excellent. So, I wanted to dig in a little bit more on the Clean Energy Connect. Admittedly, I know it might be challenging. But first, just to get a sense, is this connected to firm renewables back in New York? Just could you talk about the project a little bit just in terms of how we should think about it? And then on the financials, if you can elaborate, is it accruing AFUDC, whatever construct you’ve devised with your partners? And then in terms of the return, would it be fair to continue to say, this is a FERC like return on a typical equity ratios we think about, at least preliminarily the $400 million you’ve contemplated? Leon J. Olivier – EVP-Enterprise Energy Strategy and Business Development Yeah, Julien. This is Lee Olivier. Yeah, in regards to the project itself, it really is designed around getting existing run-of-river renewable plans that are in place in New York and building new wind, and as you can see from our partners from Iberdrola, EDP would build new wind. And getting that combined power, so you can firm up the wind with the hydropower such that when you have a transmission line going into New England, you have 100% deliverability into the region and you have very, very high capacity factors of utilization across that line to the extent of 80% to 90% utilization. It would accrue AFUDC and it would garner FERC-like returns. Julien Dumoulin-Smith – UBS Securities LLC Got it. All right. Excellent. And then just turning over to the conversions – the oil conversion side of the equation, I’d just be curious, you talked about continued strength, particularly on the back of your reasonable winter thus far, moderate, shall we say, but what’s the normalized trend of late? I’d be curious, given how low oil prices are of late, is there something to be concerned about as we think about a more normalized weather pattern for the next 2016, 2017 winter that we should be thinking about a slowdown at all? James J. Judge – Chief Financial Officer & Executive Vice President No. I mean, the forecast that we’ve provided on slide 23, we continue to be comfortable with. If you look at each of the years, 2013, 2014, and 2015, we exceeded the targets that we have provided. And even given the dramatic reduction in oil prices that existed for most of 2015, we have great opportunity, primarily because of a lack of penetration down in Connecticut. It’s significantly underpenetrated and we feel pretty good about our target for 2016 and achieving it as well. Julien Dumoulin-Smith – UBS Securities LLC So, perhaps said differently, the penetration level was such that there are still clear economic benefits for customers to continue to switch at the same pace they have, or at least you’re confident in the ability to garner the same conversion pace that you have historically? James J. Judge – Chief Financial Officer & Executive Vice President I think the payback for a conversion is more challenging than it was a year or two ago, but we’ve got some more aggressive marketing and the carbon benefits of gas versus oil are compelling to customers as well. So, I’m not going to suggest that it’s not more challenging than it was a year or two ago, but we still feel pretty good about our ability to execute. Thomas J. May – Chairman, President & Chief Executive Officer It’s interesting. Anything is new construction anywhere on our territory. They want natural gas for heating. It actually adds value to the house. There are studies that shown that the houses are selling for $10,000 or $20,000 more, if instead of having an old oil tank on your property, you have a pipe that without trucks pulling up and down your street. But we’re seeing lots of communities that are actually encouraging us to come in and help them reduce their carbon footprint. We call it the three Ps. They don’t require us to make permit fees. They don’t require us to have police details, and what’s – on paving. They don’t make us pave curb to curb. Typically when you go in and cut a street to put a pipe down in for a neighborhood, they want you to pave curb to curb. They’ll say, hey, we’ll let you patch that cut and therefore reduce the price to come in and bring this gas to our neighbor. So, interestingly, the demand is still there, but as you say, the payback for a customer is quite different and therefore, you have to find different ways to turn it into a monthly payment rather than a big lump sum. Julien Dumoulin-Smith – UBS Securities LLC And then last, a quick clarification, is the 5% to 7%, the Clean Energy Connect, is it in there and how do you think about it? James J. Judge – Chief Financial Officer & Executive Vice President It is in there, but again, the CapEx spend there is $18 million to $21 million. So, it doesn’t move the dial much one way or another. It’s a small piece of the financials out in 2018, 2019. Julien Dumoulin-Smith – UBS Securities LLC Fair enough. Thank you. Jeffrey R. Kotkin – Vice President-Investor Relations Thanks, Julien. Next question is from Travis Miller from Morningstar. Good morning, Travis. Travis Miller – Morningstar Research Good morning. Thank you. I was wondering as we talk more about these renewables, they look three to five years out, obviously you have a lot of transmission spend opportunity. So I was wondering if you could elaborate on potential upside for the distribution side of the electric. Distribution side, is there upside in your plan? Is there additional in terms of integrating all of that renewable energy that will come in through the transmission projects? James J. Judge – Chief Financial Officer & Executive Vice President Sure. Travis, this is Jim. We mentioned that we spend about $1.2 billion a year on the distribution system, that’s gas and electric, but in particular, we have a slide that references this grid modernization plan. It’s $430 million of spending over the next five years. Included in there is advanced sensing technology, a next generation fault circuit indications, and those sorts of things, but a good part of the spend there has to do with making it easier for distributed resources to be tapped into the system and provided for. So, that’s a filing that’s before the regulator in Massachusetts currently and we expect the plan to be approved later this year. Travis Miller – Morningstar Research Okay. That’s all I had. Thank you. Jeffrey R. Kotkin – Vice President-Investor Relations Thanks, Travis. Our next question is from Shar Pourreza from Guggenheim. Good morning, Shar. Shahriar Pourreza – Guggenheim Partners Hey, Jeff. Hey. Good morning, everyone. Thomas J. May – Chairman, President & Chief Executive Officer Good morning. Shahriar Pourreza – Guggenheim Partners So just real quick question on the growth. So, you kind of had the regulatory mechanisms at the utilities and you sort of assume Northern Pass and Access Northeast are on schedule. So, what’s sort of the driver to get you to the top end or exceed your updated growth trajectory, or sort of how should we think about the bottom or top end of that range? James J. Judge – Chief Financial Officer & Executive Vice President Well, what I would say, Shar, is that, obviously, if all the projects go forward as planned, we would be higher in that 5% to 7% range, but I do think that we have some flexibility in that range, such that if one of the projects didn’t go forward, I think we’d still be able to achieve the lower end of that range. Shahriar Pourreza – Guggenheim Partners Okay. Got it. So if your projects are on schedule, you can essentially hit the mid-point of your old range? James J. Judge – Chief Financial Officer & Executive Vice President Or beyond. Shahriar Pourreza – Guggenheim Partners Excellent. Thanks. Jeffrey R. Kotkin – Vice President-Investor Relations Thanks, Shar. Next question’s from Mike Lapides from Goldman. Good morning, Mike. Michael Lapides – Goldman Sachs & Co. Hey, guys. Good morning. A couple of housekeeping-related questions. First of all, in 2016 guidance, what are you assuming for O&M cost management on controllable O&M? James J. Judge – Chief Financial Officer & Executive Vice President Michael, this is Jim. We are basically providing estimates of 2% to 3% long-term and there’ll be some variability year-to-year. We’re not giving a spot-specific number for 2016, but you’ve seen our performance to-date and you can assume that that 2% to 3%, you can take to the bank. Michael Lapides – Goldman Sachs & Co. Well, I mean, actually, you’ve done a really good job of just completely blowing right past that 2% to 3% a year in the first couple of years post-merger. Just trying to get my arms around what would drive a fundamental slowdown in the O&M cost savings or are you just being a little bit on the conservative side about your ability to manage cost structure post-merger? James J. Judge – Chief Financial Officer & Executive Vice President Well, we’ve been giving guidance historically of 3% to 4% and we’ve exceeded it. So 2% to 3%, I guess, reflects a little bit of a slowdown, but we do see ample opportunity. Eventually, you go from merger synergies, which I think we’ve largely achieved, into achieving savings just by good cost discipline across the organization. And that’s the phase that we’re in now. Tom and I mentioned some of the IT system conversions that are taking place currently that will fuel savings going forward. And our operations area, the standardization that takes place is assured to provide us some additional savings. So we feel good about it, but obviously the 2% to 3% is an indication that it has tempered a little bit from what we’ve got the first few years. Michael Lapides – Goldman Sachs & Co. Got it. And can you frame for us a little bit just the difference in the second and third FERC ROE complaints relative to the one that already lowered your ROE? And if so, what’s kind of the – if complainants get what they ask for or if staff gets what they’re kind of nodding towards? What the impact on earnings power and the growth rate would be? James J. Judge – Chief Financial Officer & Executive Vice President Well, the filings that we’ve made, the initial briefs that were filed and updated at FERC, the position of the New England transmissions owners is that, if you do the math, similar to what was done by FERC in complaint number one, that the ROE would be 10.24%. And if you did the math the same way for complaint number three, it will be 10.9%. If you average those two, you get to where we at currently, 10.57%. So, we would expect and hope that FERC would realize that there hasn’t been a dramatic change in what they approved over a year ago in terms of a base ROE. The same logic applies on the cap as well. The 11.74% sits well within what the math would show from applying the new methodology at FERC to the timeframes that were considered for complaint two or three. Obviously, there’s a series of conflicting testimony, I guess, from the consumer advocates groups and from FERC staff that would have slightly lower numbers, but we feel pretty good about our prospects in terms of the case that were presented. Michael Lapides – Goldman Sachs & Co. Got it. Thanks, guys. Much appreciated and congrats on a good year. Jeffrey R. Kotkin – Vice President-Investor Relations Thanks, Michael. Next question’s from Praful Mehta from Citi. Good morning, Praful. Praful Mehta – Citigroup Global Markets, Inc. (Broker) Good morning. Hi, guys. So, I just had two quick questions. One was on Northern Pass. And just want to understand, if there were delays in the Northern Pass, CapEx plan and implementation, are there other levers to fill the hole in terms of EPS, or is there going to be an impact to EPS, as you see it today? James J. Judge – Chief Financial Officer & Executive Vice President Yeah. This is Jim, Praful. As I mentioned, we come up with projects that we don’t even have on the drawing board. We’re looking at other projects currently. And you’re asking me if Northern Pass, the $1.6 billion, was significantly delayed, what would we backfill it with? I would assume that by the time we get out to 2017, 2018 and 2019, there will be new projects, but right now, they have not been defined. I haven’t reached the stage where we would include them in our plan. Praful Mehta – Citigroup Global Markets, Inc. (Broker) Fair enough. Got it. And secondly, in terms of capital allocation, you’ve talked about excess the cash that you have, the bonus depreciation, and one of the options could be share buybacks. From a timing perspective, how do you see that decision playing out? Do you kind of wait and see if you have new projects in 2016, 2017? And if you don’t, and if you have excess cash, you do the buyback? I’m just trying to figure out how does that sequence of events go and when does that decision take place to actually do buybacks. James J. Judge – Chief Financial Officer & Executive Vice President Yeah. We will look at that on a year-to-year basis. Obviously, we have not announced a share buyback. We don’t anticipate one in 2016. We think we have potential application of this excess cash in years beyond that. But if we don’t, it’s clearly capital that deservedly would go back to shareholders and we consider a share buyback, but it’s basically a year-to-year decision. Praful Mehta – Citigroup Global Markets, Inc. (Broker) Got you. Thank you, guys. Jeffrey R. Kotkin – Vice President-Investor Relations Thank you. Our next question’s from Steve Fleishman from Wolfe. Good morning, Steve. Steve Fleishman – Wolfe Research LLC Hi. Good morning. Just briefly in the context of the bonus depreciation and the plan that you’re giving us, maybe you could just talk about how the balance sheet or cash flow metrics look under this plan as it is versus maybe you had before to kind of fill in the whole picture. James J. Judge – Chief Financial Officer & Executive Vice President Well, we certainly think that the cash flow numbers improved, given the bonus depreciation, the lack of tax payments that need to be made. We fully expect to maintain the strong single-A credit that we have achieved to-date. So, I think the credit metrics would reflect that. Steve Fleishman – Wolfe Research LLC Okay. Thank you. Jeffrey R. Kotkin – Vice President-Investor Relations All right. Thanks, Steve. We don’t have any more questions this morning, so we want to thank you very much for joining us. If you have any follow-up questions, please give us a call. Thanks and enjoy the rest of the winter. We’ll see you at a couple of the conferences. Operator Thank you, ladies and gentlemen. That concludes today’s conference. Thank you for participating. You may now disconnect. Copyright policy: All transcripts on this site are the copyright of Seeking Alpha. However, we view them as an important resource for bloggers and journalists, and are excited to contribute to the democratization of financial information on the Internet. (Until now investors have had to pay thousands of dollars in subscription fees for transcripts.) So our reproduction policy is as follows: You may quote up to 400 words of any transcript on the condition that you attribute the transcript to Seeking Alpha and either link to the original transcript or to www.SeekingAlpha.com. All other use is prohibited. 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284 ETP Debuts Of 2015: A Complete List

# Ticker Security Name Category IPO Date Notes 1 LLDM Direxion Daily FTSE Developed Mkt Bull 1.25x Leveraged 1/7/2015 2 2 LLEM Direxion Daily FTSE Emerging Mkt Bull 1.25x Leveraged 1/7/2015 2 3 LLSP Direxion Daily S&P 500 Bull 1.25x Leveraged 1/7/2015 2 4 LLSC Direxion Daily Small Cap Bull 1.25x Leveraged 1/7/2015 2 5 HIPS Master Income Style/Strat 1/7/2015 4 6 JPEM JPMorgan Diversified Return Emerging Market Equity Global/Intl 1/8/2015 7 IMTM iShares MSCI International Dev Momentum Factor Global/Intl 1/15/2015 8 IQLT iShares MSCI International Dev Quality Factor Global/Intl 1/15/2015 9 DIVA QuantShares Hedged Dividend Income Style/Strat 1/15/2015 3,4 10 ZLRG ETFS Zacks Earnings Large-Cap U.S. Style/Strat 1/20/2015 11 ZSML ETFS Zacks Earnings Small-Cap U.S. Style/Strat 1/20/2015 12 SBEU ETFS Diversified-Factor Developed Europe Global/Intl 1/27/2015 13 SBUS ETFS Diversified-Factor U.S. Large Cap Style/Strat 1/27/2015 14 RGRO Oppenheimer Global Growth Revenue Global/Intl 2/2/2015 15 SMHD ETRACS Mthly Pay 2x US Small Cap High Div ETN Leveraged 2/4/2015 4 16 FREL Fidelity MSCI Real Estate Sector 2/5/2015 4 17 SMDV ProShares Russell 2000 Dividend Growers Style/Strat 2/5/2015 4 18 REGL ProShares S&P MidCap 400 Div Aristocrats Style/Strat 2/5/2015 4 19 SPYB SPDR S&P 500 Buyback Style/Strat 2/5/2015 20 GHII Guggenheim S&P High Income Infrastructure Style/Strat 2/11/2015 4 21 KEMP KraneShares FTSE Emerging Markets Plus Global/Intl 2/13/2015 22 GDXX ProShares Ultra Gold Miners Leveraged 2/13/2015 23 GDJJ ProShares Ultra Junior Miners Leveraged 2/13/2015 24 GDXS ProShares UltraShort Gold Miners Inverse 2/13/2015 25 GDJS ProShares UltraShort Junior Miners Inverse 2/13/2015 26 FLRT AdvisorShares Pacific Asset Enhanced Floating Rate Bond 2/19/2015 1 27 RISE Sit Rising Rate Inverse 2/19/2015 28 TONS WisdomTree (Greenhaven) Coal Fund Commodity 2/20/2015 29 TOTL SPDR DoubleLine Total Return Tactical Bond 2/24/2015 1 30 TUTT Tuttle Tactical Management U.S. Core Style/Strat 2/25/2015 1,2 31 INC iShares U.S. Fixed Income Balanced Risk ETF Bond 2/26/2015 1 32 RODM Lattice Developed Markets (ex-US) Strategy Global/Intl 2/26/2015 33 ROAM Lattice Emerging Markets Strategy Global/Intl 2/26/2015 34 ROUS Lattice U.S. Equity Strategy Style/Strat 2/26/2015 35 QVM Arrow QVM Equity Factor Style/Strat 2/27/2015 36 EMIH Deutsche X-trackers Emg Mkts Bond Interest Hedged Bond 3/3/2015 3 37 HYIH Deutsche X-trackers HY Corporate Interest Hedged Bond 3/3/2015 3 38 IGIH Deutsche X-trackers Invest Grd Bond Interest Hedged Bond 3/3/2015 3 39 EUSC WisdomTree Europe Hedged SmallCap Equity Global/Intl 3/4/2015 3,4 40 MEAR iShares Short Maturity Municipal Bond Bond 3/5/2015 1 41 VLLV Direxion Value Line Conservative Equity Style/Strat 3/11/2015 42 VLML Direxion Value Line Mid-Lg-Cap High Dividend Style/Strat 3/11/2015 4 43 VLSM Direxion Value Line Sml-Md-Cap High Dividend Style/Strat 3/11/2015 4 44 HOMX ETRACS ISE Exclusively Homebuilders ETN Sector 3/11/2015 45 HOML ETRACS Mth 2x ISE Exclusively Homebuilders ETN Leveraged 3/11/2015 46 AFTY CSOP FTSE China A50 Global/Intl 3/12/2015 47 IBDJ iShares iBonds Dec 2017 Corporate Bond 3/12/2015 48 IBDK iShares iBonds Dec 2019 Corporate Bond 3/12/2015 49 IBDM iShares iBonds Dec 2021 Corporate Bond 3/12/2015 50 IBDN iShares iBonds Dec 2022 Corporate Bond 3/12/2015 51 IBDO iShares iBonds Dec 2023 Corporate Bond 3/12/2015 52 IBDP iShares iBonds Dec 2024 Corporate Bond 3/12/2015 53 IBDQ iShares iBonds Dec 2025 Corporate Bond 3/12/2015 54 SDEM Global X SuperDividend Emerging Markets Global/Intl 3/17/2015 4 55 SRET Global X SuperDividend REIT Sector 3/17/2015 4 56 XT iShares Exponential Technologies ETF Style/Strat 3/23/2015 57 QED IQ Hedge Event-Driven Tracker Style/Strat 3/24/2015 2,3 58 QLS IQ Hedge Long/Short Tracker Style/Strat 3/24/2015 2,3 59 ROGS Lattice Global Small Cap Strategy ETF Global/Intl 3/24/2015 60 SGDJ Sprott Junior Gold Miners Sector 3/31/2015 61 DBRE Deutsche X-trackers DJ Hdg Intl Real Estate Sector 4/9/2015 3,4 62 DBIF Deutsche X-trackers S&P Hedged Global Infrastructure Global/Intl 4/9/2015 3 63 FFTY Innovator IBD 50 Fund Style/Strat 4/9/2015 1 64 XRLV PowerShares S&P 500 x-Rate Sensitive Low Volatility Style/Strat 4/9/2015 65 JHDG WisdomTree Japan Hedged Quality Dividend Growth Global/Intl 4/9/2015 3,4 66 CHAU Direxion Daily CSI 300 China A Share Bull 2x Leveraged 4/16/2015 67 QUS SPDR MSCI USA Quality Mix Style/Strat 4/16/2015 68 SMCP AlphaMark Actively Managed Small Cap Style/Strat 4/21/2015 1 69 PAK Global X MSCI Pakistan Global/Intl 4/23/2015 70 ACTX Global X Guru Activist Style/Strat 4/29/2015 71 UK Recon Capital FTSE 100 Global/Intl 4/29/2015 72 ACWF iShares FactorSelect MSCI Global Global/Intl 4/30/2015 73 INTF iShares FactorSelect MSCI International Global/Intl 4/30/2015 74 ISCF iShares FactorSelect MSCI International Small-Cap Global/Intl 4/30/2015 75 LRGF iShares FactorSelect MSCI USA Style/Strat 4/30/2015 76 SMLF iShares FactorSelect MSCI USA Small-Cap Style/Strat 4/30/2015 77 JETS U.S. Global Jets Sector 4/30/2015 78 LRET ETRACS Monthly Pay 2x MSCI US REIT ETN Leveraged 5/6/2015 4 79 FXEU PowerShares Europe Currency Hedged Low Vlty Global/Intl 5/7/2015 3 80 DHVW Diamond Hill Valuation-Weighted 500 Style/Strat 5/12/2015 81 SCIX Global X Scientific Beta Asia ex-Japan Global/Intl 5/13/2015 82 SCID Global X Scientific Beta Europe Global/Intl 5/13/2015 83 SCIJ Global X Scientific Beta Japan Global/Intl 5/13/2015 84 SCIU Global X Scientific Beta US Style/Strat 5/13/2015 85 VXDN AccuShares Spot CBOE VIX Down Shares Volatility 5/19/2015 86 VXUP AccuShares Spot CBOE VIX Up Shares Volatility 5/19/2015 87 CAPX Elkhorn S&P 500 Capital Expenditures Style/Strat 5/27/2015 88 LABD Direxion Daily S&P Biotech Bear 3x Inverse 5/28/2015 89 LABU Direxion Daily S&P Biotech Bull 3x Leveraged 5/28/2015 90 DRIP Direxion Daily S&P Oil & Gas Expl & Prod Bear 3x Inverse 5/28/2015 91 GUSH Direxion Daily S&P Oil & Gas Expl & Prod Bull 3x Leveraged 5/28/2015 92 YLCO Global X YieldCo Index Sector 5/28/2015 4 93 JDG WisdomTree Japan Quality Dividend Growth Global/Intl 5/28/2015 4 94 HHDG Highland HFR Equity Hedge Style/Strat 6/1/2015 3 95 DRVN Highland HFR Event-Driven Style/Strat 6/1/2015 3 96 HHFR Highland HFR Global Style/Strat 6/1/2015 3 97 FCFI TrimTabs Intl Free-Cash Flow Global/Intl 6/2/2015 98 ICVT iShares Convertible Bond Bond 6/4/2015 99 DXUS WisdomTree Global ex-U.S. Hedged Dividend Global/Intl 6/4/2015 3,4 100 HDLS WisdomTree Intl Hedged SmallCap Dividend Global/Intl 6/4/2015 3,4 101 HEGE Direxion Daily MSCI Europe Currency-Hedged Bull 2x Leveraged 6/10/2015 3 102 HEGJ Direxion Daily MSCI Japan Currency-Hedged Bull 2x Leveraged 6/10/2015 3 103 SPUN Market Vectors Global Spin-Off Global/Intl 6/10/2015 104 HFEZ SPDR EURO STOXX 50 Currency Hedged Global/Intl 6/10/2015 3 105 TUTI Tuttle Tactical Mgmt Multi-Strategy Income Style/Strat 6/10/2015 1,2,4 106 UBND WisdomTree Western Asset Unconstrained Bond Bond 6/11/2015 1 107 PTNQ Pacer Trendpilot 100 Style/Strat 6/12/2015 108 PTMC Pacer Trendpilot 450 Style/Strat 6/12/2015 109 PTLC Pacer Trendpilot 750 Style/Strat 6/12/2015 110 CHAD Direxion Daily CSI 300 China A Share Bear 1x Inverse 6/17/2015 111 ISZE iShares MSCI International Developed Size Factor Global/Intl 6/18/2015 112 IVLU iShares MSCI International Developed Value Factor Global/Intl 6/18/2015 113 HBU ProShares Ultra Homebuilders & Supplies Leveraged 6/23/2015 114 UOP ProShares Ultra Oil & Gas Expl & Prod Leveraged 6/23/2015 115 UBIO ProShares UltraPro Nasdaq Biotechnology Leveraged 6/23/2015 116 ZBIO ProShares UltraProShort Nasdaq Biotechnology Inverse 6/23/2015 117 HBZ ProShares UltraShort Homebuilders & Supplies Inverse 6/23/2015 118 SOP ProShares UltraShort Oil & Gas Expl & Prod Inverse 6/23/2015 119 JPN Deutsche X-trackers Japan JPX-Nikkei 400 Equity Global/Intl 6/24/2015 120 HTUS Hull Tactical US Style/Strat 6/25/2015 1,2,3 121 HGEU ProShares Hedged FTSE Europe Global/Intl 6/25/2015 3 122 HGJP ProShares Hedged FTSE Japan Global/Intl 6/25/2015 3 123 TPYP Tortoise North American Pipeline Sector 6/30/2015 4 124 SLDR ALPS Sector Leaders Style/Strat 7/1/2015 125 SLOW ALPS Sector Low Volatility Style/Strat 7/1/2015 126 HACW iShares Currency Hedged MSCI ACWI Global/Intl 7/1/2015 2,3 127 HAWX iShares Currency Hedged MSCI ACWI ex U.S. Global/Intl 7/1/2015 2,3 128 HAUD iShares Currency Hedged MSCI Australia Global/Intl 7/1/2015 2,3 129 HEWC iShares Currency Hedged MSCI Canada Global/Intl 7/1/2015 2,3 130 HSCZ iShares Currency Hedged MSCI EAFE Small-Cap Global/Intl 7/1/2015 2,3 131 HEWI iShares Currency Hedged MSCI Italy Global/Intl 7/1/2015 2,3 132 HEWW iShares Currency Hedged MSCI Mexico Global/Intl 7/1/2015 2,3 133 HEWY iShares Currency Hedged MSCI South Korea Global/Intl 7/1/2015 2,3 134 HEWP iShares Currency Hedged MSCI Spain Global/Intl 7/1/2015 2,3 135 HEWL iShares Currency Hedged MSCI Switzerland Global/Intl 7/1/2015 2,3 136 HEWU iShares Currency Hedged MSCI United Kingdom Global/Intl 7/1/2015 2,3 137 PUTX ALPS Enhanced Put Write Strategy Style/Strat 7/7/2015 1 138 CIBR First Trust NASDAQ CEA Cybersecurity Sector 7/7/2015 139 CDL Compass EMP US Large Cap High Div 100 Vlty Wtd Style/Strat 7/8/2015 4 140 CSA Compass EMP US Small Cap 500 Vlty Wtd Style/Strat 7/8/2015 141 CSB Compass EMP US Small Cap High Div 100 Vlty Wtd Style/Strat 7/8/2015 4 142 KLDW GaveKal Knowledge Leaders Developed World Global/Intl 7/8/2015 143 KLEM GaveKal Knowledge Leaders Emerging Markets Global/Intl 7/8/2015 144 YLD Principal EDGE Active Income Style/Strat 7/9/2015 1,4 145 AGGY WisdomTree Barclays U.S. Aggregate Bond Enh Yield Bond 7/9/2015 146 HDWM WisdomTree International Hedged Equity Global/Intl 7/9/2015 3,4 147 ALTY Global X SuperDividend Alternatives Style/Strat 7/14/2015 4 148 MOTI Market Vectors Morningstar International Moat Global/Intl 7/14/2015 149 OUSA O’Shares FTSE U.S. Quality Dividend Style/Strat 7/14/2015 4 150 MLPV ETRACS 2xMonthly Leveraged S&P MLP ETN Leveraged 7/15/2015 4 151 BDAT PureFunds ISE Big Data Sector 7/16/2015 152 IPAY PureFunds ISE Mobile Payments Sector 7/16/2015 153 USSD WisdomTree Strong Dollar U.S. Equity Style/Strat 7/21/2015 154 USWD WisdomTree Weak Dollar U.S. Equity Style/Strat 7/21/2015 155 HFXE IQ 50 Percent Hedged FTSE Europe Global/Intl 7/22/2015 3 156 HFXI IQ 50 Percent Hedged FTSE International Global/Intl 7/22/2015 3 157 HFXJ IQ 50 Percent Hedged FTSE Japan Global/Intl 7/22/2015 3 158 CLYH iShares Interest Rate Hedged 10+ Yr Credit Bond Bond 7/23/2015 1,2,3 159 EMBH iShares Interest Rate Hedged Emg Mkt Bond Bond 7/23/2015 1,2,3 160 HHYX iShares Currency Hedged International High Yield Bond Bond 7/30/2015 2,3 161 NFLT Virtus Newfleet Multi-Sector Unconstrained Bond Bond 8/11/2015 1 162 HDAW Deutsche X-trackers MSCI AWxUS Hi Div Yld Hedged Global/Intl 8/12/2015 3,4 163 HDEF Deutsche X-trackers MSCI EAFE Hi Div Yld Hedged Global/Intl 8/12/2015 3,4 164 HDEE Deutsche X-trackers MSCI EmgMkt Hi Div Yld Hedged Global/Intl 8/12/2015 3,4 165 HDEZ Deutsche X-trackers MSCI Eurozone Hi Div Yld Hedged Global/Intl 8/12/2015 3,4 166 EWRE Guggenheim S&P 500 Equal Weight Real Estate Sector 8/13/2015 4 167 JPNH Deutsche X-trackers Japan JPX-Nikkei 400 Hedged Global/Intl 8/19/2015 3 168 DBAU Deutsche X-trackers MSCI Australia Hedged Global/Intl 8/19/2015 3 169 DBES Deutsche X-trackers MSCI EAFE Sml Cap Hedged Global/Intl 8/19/2015 3 170 DBIT Deutsche X-trackers MSCI Italy Hedged Global/Intl 8/19/2015 3 171 DBSE Deutsche X-trackers MSCI So Europe Hedged Global/Intl 8/19/2015 3 172 DBSP Deutsche X-trackers MSCI Spain Hedged Global/Intl 8/19/2015 3 173 CLAW Direxion Daily Homebuilders & Supplies Bear 3x Inverse 8/19/2015 174 NAIL Direxion Daily Homebuilders & Supplies Bull 3x Leveraged 8/19/2015 175 WDRW Direxion Daily Regional Banks Bear 3x Inverse 8/19/2015 176 DPST Direxion Daily Regional Banks Bull 3x Leveraged 8/19/2015 177 CRAK Market Vectors Oil Refiners Sector 8/19/2015 178 OASI O’Shares FTSE AsiaPacific Quality Dividend Global/Intl 8/19/2015 4 179 OEUR O’Shares FTSE Europe Quality Dividend Global/Intl 8/19/2015 4 180 CIL Compass EMP International 500 Volatility Weighted Global/Intl 8/20/2015 181 CID Compass EMP Intl High Div 100 Volatility Weighted Global/Intl 8/20/2015 4 182 OAPH O’Shares FTSE AsiaPacific Quality Dividend Hedged Global/Intl 8/25/2015 2,3,4 183 OEUH O’Shares FTSE Europe Quality Dividend Hedged Global/Intl 8/25/2015 2,3,4 184 VTEB Vanguard Tax-Exempt Bond Bond 8/25/2015 185 XCEM EGShares EM Core ex-China Global/Intl 9/2/2015 186 IBMJ iShares iBonds Dec 2021 AMT-Free Muni Bond Bond 9/3/2015 187 IBMK iShares iBonds Dec 2022 AMT-Free Muni Bond Bond 9/3/2015 188 VAMO Cambria Value and Momentum Style/Strat 9/9/2015 1,3 189 EUDV ProShares MSCI Europe Dividend Growers Global/Intl 9/10/2015 4 190 HDWX SPDR MSCI International Dividend Currency Hedged Global/Intl 9/15/2015 3,4 191 HREX SPDR MSCI International Real Estate Currecny Hedged Sector 9/15/2015 3,4 192 HAKD Direxion Daily Cyber Security Bear 2x Inverse 9/16/2015 193 HAKK Direxion Daily Cyber Security Bull 2x Leveraged 9/16/2015 194 PILS Direxion Daily Pharmaceutical & Medical Bear 2x Inverse 9/16/2015 195 PILL Direxion Daily Pharmaceutical & Medical Bull 2x Leveraged 9/16/2015 196 KSA iShares MSCI Saudi Arabia Capped ETF Global/Intl 9/17/2015 197 GSLC Goldman Sachs ActiveBeta U.S. Large Cap Equity Style/Strat 9/21/2015 198 LKOR FlexShares Credit-Scored US Long Corp Bond Bond 9/23/2015 199 QLC FlexShares US Quality Large Cap Style/Strat 9/23/2015 200 SPXE ProShares S&P 500 Ex-Energy Style/Strat 9/24/2015 201 SPXN ProShares S&P 500 Ex-Financials Style/Strat 9/24/2015 202 SPXV ProShares S&P 500 Ex-Health Care Style/Strat 9/24/2015 203 SPXT ProShares S&P 500 Ex-Technology Style/Strat 9/24/2015 204 UTES Reaves Utilities Sector 9/24/2015 1 205 GEM Goldman Sachs ActiveBeta Emerging Markets Equity Global/Intl 9/29/2015 206 JHMC John Hancock Multifactor Consumer Discretionary Sector 9/29/2015 207 JHMF John Hancock Multifactor Financials Sector 9/29/2015 208 JHMH John Hancock Multifactor Healthcare Sector 9/29/2015 209 JHML John Hancock Multifactor Large Cap Style/Strat 9/29/2015 210 JHMM John Hancock Multifactor Mid Cap Style/Strat 9/29/2015 211 JHMT John Hancock Multifactor Technology Sector 9/29/2015 212 MLTI CS X-Links Multi-Asset High Income ETN Style/Strat 9/30/2015 4 213 QGTA IQ Leaders GTAA Tracker Style/Strat 9/30/2015 2,3 214 JPUS JPMorgan Diversified Return U.S. Equity Style/Strat 9/30/2015 215 HJPX iShares Currency Hedged JPX-Nikkei 400 Global/Intl 10/1/2015 2,3 216 BSJN Guggenheim BulletShares 2023 High Yield Corp Bond Bond 10/7/2015 217 BSCP Guggenheim BulletShares 2025 Corp Bond Bond 10/7/2015 218 XLFS SPDR Financial Services Select Sector Sector 10/8/2015 219 XLRE SPDR Real Estate Select Sector Sector 10/8/2015 4 220 LBDC ETRACS 2x Wells Fargo BDC Series B ETN Leveraged 10/9/2015 4 221 AMUB ETRACS Alerian MLP Index Series B ETN Sector 10/9/2015 4 222 MLPB ETRACS Alerian MLP Infrastructure Series B ETN Sector 10/9/2015 4 223 MRRL ETRACS Mthly Pay 2x Mortgage REIT Series B ETN Leveraged 10/9/2015 4 224 UCIB ETRACS UBS Bloomberg CMCI Series B ETN Commodity 10/9/2015 225 BDCZ ETRACS Wells Fargo BDC Series B ETN Style/Strat 10/9/2015 4 226 FXEP PowerShares Developed EuroPacific Hedged Low Vlty Global/Intl 10/9/2015 3 227 DWTR PowerShares DWA Tactical Sector Rotation Style/Strat 10/9/2015 2 228 FXJP PowerShares Japan Currency Hedged Low Volatility Global/Intl 10/9/2015 3 229 SPMO PowerShares S&P 500 Momentum Style/Strat 10/9/2015 230 SPVU PowerShares S&P 500 Value Style/Strat 10/9/2015 231 CNCR Loncar Cancer Immunotherapy Sector 10/14/2015 232 HAHA CSOP China CSI 300 A-H Dynamic Global/Intl 10/20/2015 233 CNHX CSOP MSCI China A International Hedged Global/Intl 10/20/2015 3 234 ASHX Deutsche X-trackers CSI 300 China A Hedged Equity Global/Intl 10/20/2015 2,3 235 SPYD SPDR S&P 500 High Dividend Style/Strat 10/22/2015 4 236 BITE The Restaurant ETF Sector 10/28/2015 237 XINA SPDR MSCI China A Shares IMI Global/Intl 10/29/2015 238 EZR WisdomTree Europe Local Recovery Global/Intl 10/29/2015 239 HDRW WisdomTree Global ex-U.S. Hedged Real Estate Sector 10/29/2015 3,4 240 EMSD WisdomTree Strong Dollar Emerging Markets Equity Global/Intl 10/29/2015 241 HACV iShares Cur Hedged MSCI ACWI Min Volatility Global/Intl 11/2/2015 2,3 242 HEFV iShares Cur Hedged MSCI EAFE Min Volatility Global/Intl 11/2/2015 2,3 243 HEMV iShares Cur Hedged MSCI EM Min Volatility Global/Intl 11/2/2015 2,3 244 HEUV iShares Cur Hedged MSCI Europe Min Volatility Global/Intl 11/2/2015 2,3 245 HEUS iShares Cur Hedged MSCI Europe Small-Cap Global/Intl 11/2/2015 2,3 246 ITEQ BlueStar TA-BIGTech Israel Technology Sector 11/3/2015 247 FCVT First Trust SSI Strategic Convertible Securities Bond 11/4/2015 1 248 IDLB PowerShares FTSE Intl Low Beta Equal Weight Global/Intl 11/5/2015 249 USLB PowerShares Russell 1000 Low Beta Equal Weight Style/Strat 11/5/2015 250 ALFI AlphaClone International Global/Intl 11/10/2015 3 251 TLDH FlexShares Currency Hedged Mstar DM ex-US Factor Tilt Global/Intl 11/10/2015 2,3 252 TLEH FlexShares Currecny Hedged Mstar EM Factor Tilt Global/Intl 11/10/2015 2,3 253 GSIE Goldman Sachs ActiveBeta International Equity Global/Intl 11/10/2015 254 PRME First Trust Heitman Global Prime Real Estate Sector 11/12/2015 1,4 255 IAGG iShares Core International Aggregate Bond Bond 11/12/2015 256 GSD WisdomTree Global SmallCap Dividend Global/Intl 11/12/2015 4 257 ETHO Etho Climate Leadership U.S. Style/Strat 11/19/2015 258 HGSD WisdomTree Global Hedged SmallCap Dividend Global/Intl 11/19/2015 2,3,4 259 DEEF Deutsche X-trackers FTSE Developed ex US Enh Beta Global/Intl 11/24/2015 260 DEUS Deutsche X-trackers Russell 1000 Enh Beta Style/Strat 11/24/2015 261 ASET FlexShares Real Assets Allocation Style/Strat 11/24/2015 2 262 SPYX SPDR S&P 500 Fossil Fuel Free Style/Strat 12/1/2015 263 QMOM MomentumShares U.S. Quantitative Momentum Style/Strat 12/2/2015 1 264 SICK Direxion Daily Healthcare Bear 3x Inverse 12/3/2015 265 GASX Direxion Daily Natural Gas Related Bear 3x Inverse 12/3/2015 266 LABS Direxion Daily S&P Biotech Bear 1x Inverse 12/3/2015 267 ONEV SPDR Russell 1000 Low Volatility Focus Style/Strat 12/3/2015 268 ONEO SPDR Russell 1000 Momentum Focus Style/Strat 12/3/2015 269 ONEY SPDR Russell 1000 Yield Focus Style/Strat 12/3/2015 4 270 LARE Tierra XP Latin America Real Estate Sector 12/3/2015 4 271 ELKU Elkhorn FTSE RAFI U.S. Equity Income Style/Strat 12/10/2015 4 272 EMGF iShares FactorSelect MSCI Emerging Global/Intl 12/10/2015 273 PAEU Pacer Autopilot Hedged European Index Global/Intl 12/15/2015 3 274 PTEU Pacer Trendpilot European Index Global/Intl 12/15/2015 275 DJD Guggenheim Dow Jones Industrial Average Dividend Style/Strat 12/16/2015 4 276 NANR SPDR S&P North American Natural Resources Sector 12/16/2015 277 JPEU JPMorgan Diversified Return Europe Equity Global/Intl 12/21/2015 278 IMOM MomentumShares International Quantitative Momentum Global/Intl 12/23/2015 1 279 DYB WisdomTree Dynamic Bearish U.S. Equity Style/Strat 12/23/2015 3 280 DYLS WisdomTree Dynamic Long/Short U.S. Equity Style/Strat 12/23/2015 3 281 DDBI Legg Mason Developed ex-US Diversified Core Global/Intl 12/29/2015 282 EDBI Legg Mason Emerging Markets Diversified Core Global/Intl 12/29/2015 283 LVHD Legg Mason Low Volatility High Dividend Style/Strat 12/29/2015 4 284 UDBI Legg Mason US Diversified Core Style/Strat 12/29/2015