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[Music] hello everyone and welcome to Thursday talks with chug each week we cover pressing topics that matter to you and your business Im Ariana Gonzalez from chuk attorneys and CPA tuning in from our San Diego office please join me in welcoming partner and attorney Dia Matthews and senior legal consultant cavar VJ from our Edison New Jersey and New York New York office hi there Dia and Cav and welcome for todays topic we will be talking about decoding investment agreements just a quick disclaimer before we get started this conversation is for informational purposes only it does not create an attorney client relationship so please comment your questions below or email us anytime at info@ ch.com we would love to help you out lets get right into it Dia can you tell us what is an investment agreement sure and thanks for having us Ariana so an investment agreement is basically any type of agreement by which an investor can have an ownership stake in a business now you could have differe