Keith U Heritage

(1) Mr. Heritage is a licensed insurance agent conducting business from his registered location. In this capacity, he may offer fixed insurance products including but not to limited life insurance, annuities, disability insurance, long term care insurance and Medicare supplements and receives normal and customary commissions as a result of any sales. In addition, he may receive other compensation such as fixed life trails. Mr. Heritage spends approx. 10 hrs/week during trading hours on this activity.

(2) Keith Heritage is the Owner of Heritage Financial, LLC which is the operating entity for Mr. Heritage's advisory and insurance business and the dba for which he promotes his advisory activities. Mr. Heritage spends approximately forty hours per week during trading hours working under this entity.

(3) Keith is the Owner of Heritage Horse and Cattle LLC which is a horse and cattle farm. Keith spends 100 hours per month during trading hours and 25 hours per month during non-trading hours on this activity. This is not an investment related activity.

(4) Keith is the Owner of Heritage Tax Advisors LLC which is a tax preparation business. Keith spends 10 hours per month during trading hours and one hour per month during non-trading hours on this activity. This is not an investment related activity.

(5) Keith Heritage is the Manager of KNA Properties, which is a real estate holding company for its tenants. Mr. Heritage spends approximately 5 hours per month during non-trading hours on this activity. This is not an investment-related activity.

(6) Keith Heritage works with the local chapter of the American Financial Education Alliance (AFEA). Mr. Heritage conducts seminars to help eliminate financial illiteracy as part of his marketing efforts. Mr. Heritage spends approximately ten hours per month on this activity during non-trading hours. There are no product sales or company names mentioned at these seminars.