KR Financial was founded in 1998. It is wholly owned by Krieger Ruderman & Co, LLC and is presently managed by Richard Ruderman, President and Managing Member. Mr. Ruderman possesses more than 30 years of experience providing sophisticated tax and wealth management services to Ultra High-Net worth individuals and families. Mr. Ruderman graduated from Syracuse University and is also a licensed CPA. In addition to Mr. Ruderman, Al Gilmore, KR Financial’s Chief Compliance Officer and Vice President, provides management services to KR Financial’s clients. Mr. Gilmore has more than twenty (20) years of experience, including as an enforcement attorney with the NJ Bureau of Securities and compliance/legal departments of Morgan Stanley and Goldman Sachs & Co Inc. Mr. Gilmore graduated from Dickinson College with a degree in Economics and received his Juris Doctorate from Rutgers University School of Law. Investment Management Services: The KR Financial provides investment supervisory services for clients, which include securities portfolio management, as well as any other investment supervisory services specifically agreed to by the KR Financial and client pursuant to an Investment Advisory Agreement (“Advisory Agreement”). The KR Financial assumes all investment duties with respect to its client accounts and has all investment powers, including sole investment authority. KR Financial currently provides discretionary investment management services to more than $90 Million in client assets under management. Shared Family Office Services: The KR Financial also provides advice on matters not involving portfolio management, including estate and income tax planning and consultation; personal business management and bill payment; asset allocation modeling and investment

performance analysis; review and preparation of income tax returns and coordinating federal, state and local tax payments; preparation of budgets, income statements, balance sheets and related audit trail accounting services on a regular basis; coordination and strategic planning for charitable activities, including administration of charitable foundations; oversight of client assets, including real estate, insurance, equity portfolios and investment partnerships; providing representation as trustee or executor; providing representation as officers of charitable foundations and closely held businesses; supervision of brokerage transactions; management of debt and other banking activities; and provision of all other reasonable personal financial management services as requested Other Terms & Conditions: Prior to engaging KR Financial to provide any of the above services, the client will be required to enter into a formal Advisory Agreement with KR Financial setting forth the terms and conditions under which KR Financial shall manage the client's assets, and a separate custodial/clearing agreement with each designated broker-dealer/custodian Both KR Financial's Advisory Agreement and the custodial/clearing agreement authorize the custodian to debit the account for the amount of KR Financial's investment advisory fee and to directly remit that management fee to KR Financial. In the event that KR Financial bills the client directly, payment is due upon receipt of KR Financial’s invoice. The Advisory Agreement between KR Financial and the client will continue in effect until terminated by either party. In the event the client terminates KR Financial’s services, the balance of any unbilled fees, if any, shall be due and payable upon presentment of invoice.