Richard Michael Bowers

Insurance Agency Affiliations - Mr. Bowers is a licensed insurance professional. Mr. Bowers may recommend insurance products to clients of VPWM based on a particular client's needs. Implementations of insurance recommendations are separate and apart from Mr. Bower's role with VPWM. As an insurance professional, Mr. Bowers may receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Bowers is not required to offer the products of any particular insurance company. Mr. Bowers conducts his insurance sales activities from Natick, MA. Commissions generated by insurance sales do not offset regular VPWM advisory fees. Mr. Bowers spends approximately 1 hour a month during securities trading hours in his role as an insurance professional. 501(c)3 Organization - Mr. Bowers co-founded Partners on Prospect. Partners on Prospect creates forums for a select group of business visionaries, entrepreneurs, angel investors, venture capitalists, investment professionals, and money managers. The forums are "one-of-a-kind" private investment opportunities, designed for new business development, exchange of ideas, creation of deal flow, location of capital sources, and ultra-high-end networking. Partners on Prospect was co-founded in June 2020. He receives no compensation. He spends approximately 2 hours a week as co-founder. Non-Stock Corporation - Mr. Bowers is a Board Member and Paymaster for The Corinthians Association, Inc. In his role he will be responsible for collecting all entrance fees and all dues, keep the accounts of the Association, and shall report thereon at each regular meeting of the Board of Directors and the Afterguard. Mr. Bowers will also submit balance sheets and income statements periodically as requested to the Board of Directors and The Afterguard as well as pay all bills pursuant to guidelines promulgated by the Board of Directors. Mr. Bowers spends approximately 3% of his time per month in this role and receives no compensation.