| 
		   Patrick B. Lough, CFS, CLTC, ChFC Securities America, Inc.  | 
	
| 
      
         123 South Street 
      
        Suite # 204 
          Oyster Bay,
          NY
          
            11771
          
         
      
     | 
  
| Phone: 516-719-0151 |  | Fax: 516-802-7323 | 
| www.charterfinancialplanning.com |  | plough@charterfinancialplanning.com |