ELDRIDGE STREET ASSET MANAGEMENT, LLC HOME WHY ESAM SERVICES THOUGHTS ON INVESTING ABOUT ESAM CONTACT US ELDRIDGE STREET ASSET MANAGEMENT, LLC (“ESAM”) is a registered investment adviser with its principal office in Irvine, CA. ESAM offers professional, customized investment services primarily to individual clients and families. ESAM helps each clients: allocate investments to applicable asset types; and manage the portfolio by trading applicable securities ABOUT ESAM WHY ESAM THOUGHTS ON INVESTING Disclosures: 1. ESAM is a registered investment adviser with the CA Department of Business Oversight. Any reference to or use of the terms “registered investment adviser” or “registered,” does not imply that ESAM or any person associated with ESAM has achieved a certain level of skill or training. ESAM may only transact business or render personalized investment advice in those states and international jurisdictions where we are registered, notice filed, or where we qualify for an exemption or exclusion from registration requirements. 2. The purpose of this website is to provide general information on our products and services only and should not be construed as a solicitation to effect, or attempt to effect, either transactions in securities or the rendering of personalized investment advice over the Internet. Information on this website may be changed or updated without notice and provided for informational purposes only. Copyright © 2015 – Eldridge Street Asset Management. All Rights Reserved

ELDRIDGE STREET ASSET MANAGEMENT, LLC HOME WHY ESAM SERVICES THOUGHTS ON INVESTING ABOUT ESAM CONTACT US THOUGHTS ON INVESTING ESAM believes that costly investment mistakes are all too common. Avoiding such mistakes would prevent potential losses that could subtract greatly from a portfolio’s performance. Results matter, but at least as important is the process of achieving them. We strive to achieve strong returns for each client, but such returns must be achieved while the risk in the client’s portfolio is within the client’s tolerance. To invest in stocks, an investor should be willing to commit funds for the long term, at least 3 to 5 years. Otherwise, the investor may be vulnerable to losses caused by short term market volatility. A long term view also increases the chances of investment gains. An undervalued stock has a better chance to realize its true value over the medium-to-long term, as opposed to the short term. For taxable accounts, ESAM believes in managing capital gains efficiently. We prefer long term to short term gains, but we will not hesitate to take a short term capital gain if we think that it will lead to higher net after-tax returns for the overall portfolio (for example, by selling securities we believe to be overvalued, or by selling a security to buy another security with greater potential). Disclaimer: Investing involves risks. Investing in securities involves risk, including risk of losing some or all of the invested capital. Carefully consider the risks and suitability of the portfolio strategy before investing. Copyright © 2015 – Eldridge Street Asset Management. All Rights Reserved