BOURNE LENT ASSET MANAGEMENT INC

Bourne Lent offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable organizations, businesses, and municipal entities. As a fiduciary, Bourne Lent upholds a duty of loyalty, fairness, and good faith towards each Client and seeks to mitigate potential conflicts of interest. Bourne Lent provides various investment advisory services, including establishing an investment strategy, asset allocation, portfolio construction, and investment management and supervision. Prior to engaging Bourne Lent, each Client is required to enter into a written agreement that defines the terms, conditions, authority, and responsibilities of the Advisor and the Client.

Bourne Lent's investment strategies are primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Bourne Lent will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria consists generally of ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate.

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