Communication with Our Employees in the Event of a Disruption

Our plan anticipates two kinds of SBDs, internal and external. Internal SBDs
affect only our firm’s ability to communicate and do business, such as a fire in our
building. External SBDs prevent the operation of the securities markets or a
number of firms, such as a terrorist attack, a city flood, or a wide-scale, regional
disruption. Our response to an external SBD relies more heavily on other
organizations and systems. Our firm does not maintain custody of customers’
funds or securities. In the event of an SBD, either external or internal, we will
immediately identify what means will permit us to communicate with our
customers, employees, critical business constituents, critical banks, critical
counter-parties, and regulators. Although the effects of an SBD will determine the
means of alternative communication, the communications options we will employ
will include our Web site, telephone voice mail, secure e-mail and postal mail
service.

No plan is effective without proper documentation. Therefore, Abner, Herrman &
Brock LLC has developed and maintains a business continuity plan. This plan
includes mobilization procedures, notification guidelines, call trees and other
pertinent information for the business as well as plans for crisis management and
executive management personnel to ensure proper coordination of command
and control activities in the event of an emergency.

This plan is subject to modification, an updated summary will be promptly posted
on our website and customers may alternatively obtain updated summaries by
requesting a written copy by mail.