Disclosures

Up North Financial®, LLC is a registered investment adviser located in the State of Michigan.
Up North Financial®, LLC 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 Financial®, LLC maintains clients. Up North Financial®, LLC 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 Financial®, LLC'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 Financial®, LLC's web site
on the Internet should not be construed by any consumer and/or prospective client as Up North Financial®,
LLC'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 fromUp North Financial®, LLC. Any subsequent, direct communication by Up North Financial®, LLC
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 Financial®, LLC, please contact
the United States Securities and Exchange Commission on their web site.

A copy ofUp North Financial®, LLC's current written disclosure statement discussing Up North
Financial®, LLC's business operations, services, and fees is available from Up North Financial®, LLC upon
written request. Up North Financial®, LLC 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 Financial®, LLC'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(www.sipc.org).


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