Disclosures

Up North Financial, LLC ("Up North") is an SEC registered investment adviser
located in the State of Michigan. Up North and its representatives are in compliance with the
current notice filing requirements imposed upon SEC registered investment advisers by those states
in which Up North maintains clients. Up North may only transact business in those states in
which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements.

Up North's web site is limited to the dissemination of general information regarding its investment
advisory services to United States residents residing in states where providing such information is not
prohibited by applicable law. Accordingly, the publication of Up North's web site on the Internet should
not be construed by any consumer and/or prospective client as Up North's solicitation to effect or
attempt to effect transactions in securities or the rendering of personalized investment advice for
compensation over the Internet.

Furthermore, the information resulting from the use of tools or other information on this Internet site should
not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual
advice from Up North. Any subsequent, direct communication by Up North with a prospective client
shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion
from registration in the state where the prospective client resides. For information pertaining to the registration
status of Up North, please contact the United States Securities and Exchange Commission on their web site.

A copy of Up North's current written disclosure statement discussing Up North's business operations,
services, and fees is available from Up North upon written request. Up North does not make any
representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information
prepared by any unaffiliated third party, whether linked to Up North's web site or incorporated herein
and takes no responsibility therefore. All such information is provided solely for convenience purposes only
and all users thereof should be guided accordingly.

Clearing, custody, or other brokerage services may be provided by National Financial Services LLC, or Fidelity
Brokerage Services LLC,Members NYSE, SIPC.

Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC, www.FINRA.org.
Headquartered at 18 Corporate Woods Boulevard, Albany NY 12211.

NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL.
NOT INSURED BY ANY STATE OR FEDERAL AGENCY

Securities offered through Purshe Kaplan Sterling Investments, member FINRA/SIPC, Headquartered
at 18 Corporate Woods Blvd, Albany, NY 12211.