Nilesh Roy Saldanha

Investors Capital Management, Inc. (ICM) is an independent, SEC-registered investment advisor headquartered in Darien, Connecticut. Founded in 1990, ICM provides personalized investment management and counsel to individuals, families, trusts, and charitable organizations.

JPMorgan Securities LLC (JPMS) is a securities brokerage firm headquartered in New York City. The firm was founded in 1985 and is a subsidiary of JPMorgan Broker-Dealer Holdings, Inc., ultimately held by JPMorgan Chase & Co., Inc. (NYSE: JPM). JPMS provides research on fixed income, credit, derivatives, emerging markets, foreign exchange, structured finance, technical analysis and bond indices. Their equity analysts cover equities throughout North America, EMEA, Asia/Pacific and the emerging markets. The firm's fixed income team formulates trading and portfolio recommendations for investors in global bonds and other fixed-income markets based on valuations, analytics and market dynamics.

Harvard University engages in the provision of teaching and research. It has twelve degree-granting Schools in addition to the Radcliffe Institute for Advanced Study, offering a global education. The university was founded in 1636 and is headquartered in Cambridge, MA.

Winans International (dba Winans Investments) is an independent SEC-registered investment advisory firm headquartered in Novato, California. The firm was founded by Ken Winans in 1992. Winans Investments provides investment advice and management for individuals, trusts, investment companies, and pension plans.

University of Miami (Florida) is a private research university with students from around the world that is focused on teaching and learning, the discovery of new knowledge, and service to the South Florida region and beyond. The university was founded in 1925 and it is headquartered in Coral Gables, FL.