BUSINESS CONTINUITY DISCLOSURE

Highland Financial maintains a Business Continuity Plan in the event of business disruptions either at the business location or due to some regional disruption. We have made arrangements with all of our mutual fund companies to continue servicing our accounts. We maintain off-site locations for our records and have an alternative place from which to operate. We plan to continue in business and will keep our recovery time to a minimum. This plan is subject to modification based on circumstances over time.

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