Business Continuity Plan

K.C. Ward Financial (“KCWF”) maintains a Business Continuity Plan (“BCP”) that provides for a specific course of action should the firm experience a Significant Business Disruption (“SBD”). The focus of our plan is the safeguarding of our employees, providing mission critical systems to our clients, recovery of normal business operations and the protection of our books and records. Our plan is reviewed annually and revisions are made as necessary to keep the plan current.

The KCWF BCP will enable our firm to respond to various types of unplanned situations whether they are natural, technological or man-made that may impact our business operations and clients. The plan will enable KCWF to deal with minor internal disruptions that it is able to overcome without the use of its alternate site up to city wide and regional disruptions.

The firm’s plan extends to a worst-case scenario where we will be required to relocate personnel to our alternate site that is located in a geographically separate area. All mission critical systems and all client information is replicated at our alternate site to ensure that clients will have continued access to their funds and securities. In the unlikely event that KCWF is unable to continue its business, it will assure customers prompt access to their funds and securities.

The KCWF BCP is subject to continual change as we assess the ongoing needs of our clients and changing business environment in which we operate. The KCWF BCP is periodically reviewed by our regulators for compliance with applicable requirements.