WILSEY ASSET MANAGEMENT INC

Wilsey Asset Management Incorporated ("WAM") is a Registered Investment Advisory firm that has been operating since June 2009. It is structured as an S Corporation and is owned by Brent M. Wilsey. WAM offers personalized advisory services to its clients, which are detailed under ITEM 4 – Advisory Business – Asset Management. WAM provides several distinct services, including Investment Management Services, where clients grant WAM discretionary authority to manage their securities portfolios and execute transactions based on their investment objectives. Additionally, WAM offers Consulting Services for those seeking analysis in specific financial areas, such as asset allocation and investment planning, provided on an hourly basis. Furthermore, Designated Certified Financial Planners associated with WAM develop comprehensive Financial Planning Services for both WAM and Non-WAM clients, focusing on defining and achieving long and short-term financial goals.

The Firm, Fiduciary Architects, employs various investment strategies to pursue clients' objectives, adapting techniques based on market trends and conditions at its discretion and in the best interests of the client. The Firm does not recommend particular securities but instead tailors recommendations to meet a client's specific financial goals. Clients should be aware that all investments carry an inherent risk, and there is a possibility of losing all or part of a principal investment. When considering investment strategies and recommendations, the Firm may use methods such as Charting Review, a technical analysis that plots patterns of stocks, bonds, and commodities to predict future price movements and inform buy/sell recommendations. WAM, which primarily uses individual equities, ETFs, and bonds, conducts weekly analysis of portfolio holdings' financial statements using various financial ratios and growth rates. Key factors WAM considers before adding or holding a company include growth rates on sales and earnings per share, management effectiveness (return on capital and equity), financial strength (current ratio, total debt to equity), valuation ratios (Price/Earnings, Price/Book/Sale & Price/Cash Flow), and management efficiency. WAM gathers data from diverse sources such as financial publications, research materials, corporate rating services, and company reports.

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