James Phuc Hua

In July, 2019, Mr. Hua (with several partners) launched Bellevue Funding LLC, a specialty finance company specializing in hard money lending and other lending activities tied to real property. Mr. Hua manages underwriting, risk and capital of Bellevue Funding as the firm's Portfolio Manager of and holds his ownership through BF Management LLC. This business is not investment/securities-related. Mr. Hua's role with Bellevue Funding requires 15 to 25 hours per week (up to 40% during securities trading hours). Mr. Hua has had his real estate broker's license since 2007; this work is infrequent and typically results in 2-5 hours per month (which may occur during securities trading hours). Mr. Hua is also part owner of Proximity USA LLC, which owns real estate and rental properties. Position Title: Member. Start date with business: 2015-07-24; Hours devoted to business during trading hours: 0; Hours devoted to business outside trading hours: 2; Percentage of total yearly compensation expected to be derived from the business: 0; Mr. Hua is a licensed insurance agent. This activity may create a conflict of interest since there is an incentive to recommend insurance products based on commissions or other benefits received from the insurance company, rather than on the client's needs. Opal addresses this conflict of interest by requiring its supervised persons to act in the best interest of the client at all times, including when acting as an insurance agent. All of Mr. Hua's business activities are conducted at 3150 Richards Road Suite 130, Bellevue, WA 98005