| Abbot Financial Management is a privately-owned, independent asset manager, serving our clients and community with integrity since 1983. AFM provides investment services on a "fee only" basis. The firm's client list includes individuals, families, corporations, retirement plans and foundations. AFM assists their clients in achieving a consistent, dependable, investment return from a high quality portfolio of stocks and bonds. While being sensitive to each individuals client's risk parameters, it is our goal to protect assets and grow principal. Flexibility, communication and customer service are our hallmarks. |

| William T. Novelline, Jr., CFA |
| Robert A. McLemore |
| Andrew J. Novelline, CFA |