Part IV Business Continuity 3/17/2020

KCD Financial, Inc. (KCD) has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our Business Continuity Plan.

CONTACTING US

If after a significant business disruption you cannot contact us as you usually do at (920) 347-3400, you should call our alternate office location at (262) 436-8715 or go to our web site at www.kcdfinancial.com. If you cannot access us through either of those means, you should contact our clearing firm, Hilltop Securities, at (214) 953-4000 or www.hilltopsecurities.com for instructions on how it may provide assistance to accomplish your requests; such as: account information, trade requests or availability of funds. Additionally, if you’re a customer with assets held directly at an investment company and not through Hilltop Securities, you may contact them directly at the investor telephone number provided on your account statement(s).

OUR BUSINESS CONTINUITY PLAN

We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to transact business. In short, our Business Continuity Plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our Business Continuity Plan addresses: data back-up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business.

Our clearing firm, Hilltop Securities, backs up our important records in a geographically separate area, as do any direct investment companies we do business with. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our clearing firm that its objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments within the next business day or sooner. Your orders and requests for funds and securities could be delayed during this period. This holds true for direct investment companies you may do business through.

VARYING DISRUPTIONS

Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only our firm or a building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within the next business day. In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business within the next business day. In either situation, we plan to continue in business, transfer brokerage operations to our clearing firm if necessary, and notify you through our web site www.kcdfinancial.com on how to contact us. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt access to their funds and securities.

To obtain more information about our Business Continuity Planning, you may contact us at:

KCD Financial, Inc.
3061 Allied St, Suite B, Green Bay, WI 54304
(920) 347-3400
Fax: (920) 347-3402
or www.kcdfinancial.com