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FE Kramer & Associates Inc.

800 Valley Plaza Drive, Suite 5

Johnson City, NY 13790

Phone: 607-644-9944

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Fax: 607-644-9955

www.kramerassoc.com

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Securities and Advisory Services offered through Cadaret, Grant & Co.,Inc., a Registered Investment Advisor and Member FINRA/SIPC.

F.E. Kramer & Associates Inc.and Cadaret, Grant & Co. Inc. are separate entities.