OVERLAYS SEEK TO MAKE YOUR EXISTING ASSETS WORK HARDER OVERLAY Client Portfolio  No initial capital required  No change to existing weightings  No liquidation of holdings  Maintain flexibility to change positions Clients have an opportunity to increase returns and cash flow without adjusting existing portfolio assets HARVEST 4 CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0052692 CONFIDENTIAL SDNY_GM_00198876 EFTA01362940