Pacific Park Financial Inc

Types of Clients

The Adviser provides investment advice to individuals, high net worth individuals, families, businesses, pensions, trusts,
estates and/or charitable organizations. Clients do not have to meet initial account balance requirements to open
investment accounts and clients are not required to maintain minimum account balances.

Methods of Analysis, Investment Strategies and Risk of Loss

The Adviser uses a combination of information -- technical analysis, fundamental analysis, macro-economic analysis,
industry analysis, historical analysis and contrarian analysis -- to determine appropriate securities for its clients. The primary
sources of information include market activity, financial publications, rating services, external research reports, annual
reports, prospectuses, SEC filings, company press releases and internet-based financial material.
The Adviser generally invest client assets in individual equities, equity mutual funds, equity ETFs, fixed income securities
(taxable and tax exempt, individual and ETF), as well as cash or cash equivalents. Determining the appropriateness of a
client’s asset mix occurs within the context of the following program:
          a) Investor Profile: Identifying dollar goals and annualized percentage targets, reviewing existing investment
             account statements, determining risk tolerance and targeting initial asset allocation.
          b) Portfolio Management: On an ongoing basis, the Adviser seeks to maintain a diversified mix of assets that
             are consistent with a client’s investment objectives. Buying and selling investments is based upon market
             conditions, and suitability of investments for client. Asset mix and asset allocation will change as market forces
             warrant.
          c) Performance Evaluation, Monitoring and Review: The Adviser, furnishes quarterly reports to clients regarding
             portfolio performance, and consults on portfolio progress as clients need or request.
The investment strategies used to implement advice provided to clients include long-term and short-term purchases, as well
as short-term purchases lasting less than 30 days. Long-term investments and short-term investments each have respective risks
of loss.
Long-term purchases can result in significant unrealized losses if and when financial markets experience catastrophic
declines. The Adviser seeks to mitigate the risks associated with long-term purchases by using discretionary stop-loss
orders, stop-loss limit orders, other sell orders as well as purchases to hedge against market fluctuations.
Short-term purchases can result in risk of opportunity loss. For example, an asset that was sold within 1 year may have
performed better had it been held for more than 1 year. Moreover, there may be adverse tax consequences in taxable
accounts for selling securities within 1 year, and there may be adverse tax consequences for holding a security less than
30 days. Yet, shorter-term activity can reduce the risk of more severe losses that can occur when holding a security during
extreme market drops. Using its discretionary authority, the Adviser may sell certain positions to minimize risks of severe
market declines and accept the risks associated with short-term purchases.
Investment in any security for any length of time carries risk of loss to the investor. Inflation, deflation, oil prices, currency
rates, interest rates, economic downturns are only a few of the factors that may expose an investor to loss. The Adviser
makes every effort to minimize risks through diversification, asset allocation and strategic rebalancing.
Still, portfolio performance is highly dependent on the realities of financial markets and client risk tolerance. While the
Adviser’s investment strategy of combining long-term purchases and short-term purchases is designed to mitigate
exposure to various risks, the client must recognize that losses may still occur.
At any point in time, a client’s investments will be worth more or less than originally invested. Performance is best assessed
over longer time periods (e.g., 5, 7, or 10 years) than evaluated in a matter of months or a single calendar year.

Epidemics, Pandemics, Outbreaks of Disease and Public Health Issue

Our business activities could be materially adversely affected by pandemics, epidemics and outbreaks of disease in Asia,
Europe, North America and/or globally or regionally, such as COVID-19, Ebola, H1N1 flu, H7N9 flu, H5N1 flu, Severe Acute
Respiratory Syndrome (SARS), and/or other epidemics, pandemics, outbreaks of disease, viruses and/or public health
issues. Specifically, COVID-19 has spread (and is currently spreading) rapidly around the world since its initial emergence in
China in December 2019 and has severely negatively affected (and may continue to materially adversely affect) the global
economy and equity markets (including, in particular, equity markets in Asia, Europe and the United States). Although the
long-term effects or consequences of COVID-19 and/or other epidemics, pandemics and outbreaks of disease cannot
currently be predicted, previous occurrences of other pandemics, epidemics and other outbreaks of disease, such as H5N1
flu, H1N1 flu, SARS and the Spanish flu, had a material adverse effect on the economies and markets of those countries and
regions in which they were most prevalent. Any occurrence or recurrence (or continued spread) of an outbreak of any kind
of epidemic, communicable disease or virus or major public health issue could cause a slowdown in the levels of economic
activity generally (or cause the global economy to enter into a recession or depression), which would adversely affect the
business, financial condition and operations of the Adviser. Should these or other major public health issues, including
pandemics, arise or spread farther (or continue to spread or materially impact the day to day lives of persons around the
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