ELDRIDGE STREET ASSET MANAGEMENT, LLC HOME WHY ESAM SERVICES THOUGHTS ON INVESTING ABOUT ESAM CONTACT US ABOUT ESAM Eldridge Street Asset Management, LLC was founded in 2015 by Kevin Lam in Irvine, California. ESAM manages investments for its clients on a separate account basis. ESAM’s mission is to help clients achieve their financial goals by managing their investments on a customized basis. The President and Chief Investment Officer KEVIN LAM - CIO Kevin Lam is the President and Chief Investment Officer of ESAM. Kevin worked in banking for 23 years in Hong Kong and New York. He was based in Hong Kong from 2000 to 2012, where he was head of Asian Securitization for ING Bank N.V. In this capacity, Kevin managed a team which marketed, arranged, structured and invested in asset-backed and mortgage-backed securities originated by financial institutions and corporations in Korea, Singapore, and Indonesia. From 1994 to 1999, Kevin was a Senior Vice President in structured finance at Daiwa Securities America Inc. in New York, where he structured bonds for Latin American (Brazil and Mexico) and Asian (Indonesia) corporations and financial institutions. From 1991 to 1993, Kevin worked in the Asset-Backed Securities group at Bear, Stearns & Co. Inc. in New York. From 1989 to 1991, Kevin worked in the Asset-Backed Finance department at Sumitomo Bank Limited. From 1987 to 1989, Kevin attended the J.L. Kellogg Graduate School of Management at Northwestern University in Evanston, IL, where he graduated with the MBA (Master of Business Administration) degree. From 1981 to 1985, Kevin attended the Massachusetts Institute of Technology in Cambridge, MA, where he graduated with a Bachelor of Science degree in mathematics. Eldridge Street is a street in lower Manhattan in New York City where Kevin Lam grew up. ELDRIDGE STREET 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 WHY ESAM Focus – ESAM focuses only on Investment Management, undistracted by non-related tasks. Independence – ESAM is not affiliated with any broker/dealer and does not earn commissions. It is an independent fee-only investment adviser. Customized Service – ESAM strives to understand each client’s individual circumstances, financial situation, goals and risk tolerance in order to tailor the portfolio to the individual client. Modest Asset Size Requirement – ESAM does not limit its services to wealthy clients. Currently, ESAM requires a minimum account size of $100,000. Access – ESAM strives to keep its client base manageable so that clients will have reasonable access to the President and Chief Investment Officer. Copyright © 2015 – Eldridge Street Asset Management. All Rights Reserved