Key Capital Advisors, INC.

Andrew de Araujo, through Key Capital Advisors, provides investment advice and may refer clients to third-party investment advisors. He may receive compensation from these advisors, which could be a percentage of the management fee or a sales load. Clients are informed that other advisors are available who do not compensate Key Capital Advisors. Key Capital Advisors also receives a rebate from Pictet & Cie, Geneva, an asset custodian, based on the volume of business conducted for client accounts.