None. I am a sole practitioner and am not licensed or registered to sell the products of any financial services company.

PART II. MATERIAL INFORMATION RELATIVE TO THE PROFESSIONAL RELATIONSHIP:

A. Philosophy, theory and principles of financial planning to be utilized:

My approach to personal financial planning is to obtain from clients significant financial and other information including attitudes, goals and objectives; to analyze the information obtained in order to develop alternatives for the client’s consideration that may facilitate the attainment of his or her goals; to educate the client about the implications of selecting a particular alternative and to implement the alternatives selected by the client if requested to do so.

B. Description of financial planning services to be provided:

Complete financial plan covering the areas of investment, tax, retirement, estate and insurance planning. Scope of work typically includes a final written report, two fact finding interviews and one follow up consultation.

C. Method of compensation:

My compensation is on a fee-only basis. Fees will be billed to you at an hourly rate of $110. The total cost for the service outlined above is expected to be in the range of $950.

D. Information required by all laws applicable to the professional relationship:

Form ADV filed with the Securities and Exchange Commission

E. Resume of Denison Gallaudet, Ph.D., CFP

BUSINESS EXPERIENCE:

1994 - Present MILLBROOK ADVISORS, LLC CUMBERLAND, MAINE

President. Engaged in financial and investment planning.

1979 - 1994 CASCO NORTHERN BANK PORTLAND, MAINE

President and Chief Executive Officer. Formerly, Executive Vice President and Chief Financial Officer, responsible for Operations, Finance and Personnel. Prior to this position, Senior Vice President responsible for asset based lending and national accounts.

1974 - 1979 SALOMON BROTHERS NEW YORK, NY

Vice President - Corporate Finance. Managed key account relationships in utility and energy industries; specialized in secured lending and lease financing.

1972 - 1974 SHIELDS & COMPANY NEW YORK, NY

Vice President - Corporate Finance. Responsible for business development in Northeast Region. Member of Planning Committee of Board of Directors.

1970 - 1972 McKINSEY & COMPANY, INC NEW YORK, NY

Associate, consulting staff. Member of financial services practice group.

EDUCATION:

1998 - 1999 UNIVERSITY OF MAINE ORONO, ME

Doctor of Philosophy, Education Economics in August, 1999

1968 - 1970 COLUMBIA GRADUATE SCHOOL OF BUSINESS ADMINISTRATION NEW YORK, NY

Masters of Business Administration Degree in June, 1970. Majored in finance and operations research. Dean's List. International Fellows Program.

1961 - 1965 YALE UNIVERSITY NEW HAVEN, CT

Bachelor of Arts degree in June 1965. Majored in English Literature. Dean's List.