Glenn A. Gabris

Santa Barbara Asset Management LLC (SBAM) is an investment advisory firm headquartered in Los Angeles, California. The firm was founded in 1987 and they are a subsidiary of Nuveen Investments, Inc., which acquired the firm in 2005. Their ultimate parent is TIAA Board of Overseers. SBAM provides investment advisory and sub-advisory services to a wide variety of individual and institutional clients, including, including pension funds, high-net worth individuals, corporations, trusts, not-for-profit organizations, endowments, foundations, religious organizations, managed accounts and investment companies and/or other funds.

Morgan Stanley Investment Management, Inc. (MSIM) is an investment management firm headquartered in New York City. The firm was founded in 1975 and is a subsidiary of Morgan Stanley Domestic Holdings, Inc., ultimately held by Morgan Stanley (NYSE: MS). MSIM provides discretionary and non-discretionary investment management services and products to institutional clients and individual investors. The firm also advises clients as to the appropriate allocation of assets among multiple separate accounts and/or investment companies or other pooled vehicles that the firm advises.

Red Spruce Capital LLC (Red Spruce) is an independent, SEC-registered investment advisor headquartered in Berwyn, Pennsylvania. The firm was founded by Amish B. Desai and Mark J. Vasquez in 2011. Red Spruce offers investment advisory services to individuals, high net worth individuals, businesses, trusts and estates in Pennsylvania and other states.

Franklin Community Center, Inc. is a non-profit human service company which provides basic necessities and services to less fortunate individuals and families. The company was founded in 1983 and is headquartered in Saratoga Springs, NY.