I N T R O D U C T I O N The Conifer Companies are able to offer a full line of investment services through their relationship with AFS Brokerage, Inc., Member NASD/SIPC (www.NASD.com). Conifer also provides business continuation planning and, in conjunction with AFS Brokerage, estate planning*, retirement planning* and investment management. The Conifer Companies, B.K. McCarthy Insurance Agency Inc. and AFS Brokerage, Inc. are not affiliated by common ownership. * Planning activities are incidental to the brokerage business.