A. Benjamin Goldgar

Fidelity Government Cash Reserves Money Market Fund — Int/Div — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Buy (add'l)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Pimco Commodity Real Return Inst — Int/Div

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

Fidelity Government Cash Reserves Money Market Fund — Sold (part)

IRA No. 1 (H)

Fidelity Strategic Advisors Small-Mid Cap Fund — Int/Div — Buy (add'l)

Fidelity Strategic Advisors Small-Mid Cap Fund — Sold (part)

Fidelity Strategic Advisors Small-Mid Cap Fund — Buy (add'l)

Fidelity Strategic Advisors Small-Mid Cap Fund — Sold (part)

Fidelity Strategic Advisors Small-Mid Cap Fund — Buy (add'l)

Fidelity Strategic Advisors Value Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors Value Fund — Sold (part)

Fidelity Strategic Advisors Value Fund — Buy (add'l)

Fidelity Strategic Advisors International Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors International Fund — Buy (add'l)

Fidelity Strategic Advisors International Fund — Sold (part)

Fidelity Strategic Advisors International Fund — Buy (add'l)

Fidelity Strategic Advisors International Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Int/Div — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Core Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors Core Fund — Buy (add'l)

Fidelity Strategic Advisors Core Fund — Sold (part)

Fidelity Strategic Advisors Core Fund — Sold (part)

Fidelity Strategic Advisors Core Fund — Sold (part)

Fidelity Strategic Advisors Core Fund — Buy (add'l)

Fidelity Strategic Advisors Growth Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors Growth Fund — Buy (add'l)

Fidelity Strategic Advisors Growth Fund — Sold (part)

Fidelity Strategic Advisors Growth Fund — Sold (part)

Fidelity Strategic Advisors Growth Fund — Sold (part)

Fidelity Strategic Advisors Growth Fund — Buy (add'l)

S10. — Buy (add'l)

Fidelity Strategic Advisors Emerging Markets — Int/Div — Sold (part)

Fidelity Strategic Advisors Emerging Markets — Buy (add'l)

Fidelity Strategic Advisors Income Opportunity Fund — Int/Div

FIMM Money Market Port Inst CL — Int/Div — Buy (add'l)

Fidelity Strategic Advisors Short Duration Fund — Int/Div — Sold (part)

Fidelity SAI US Large Cap Index — Int/Div

Fidelity SAI International Index — Int/Div — Buy (add'l)

Fidelity SAI Emerging Markets Index — Int/Div — Buy (add'l)

Fidelity SAI Emerging Markets Index — Sold (part)

AQR Managed Futures Fund CL N — None

Eaton Vance GL Macro Absolute Return Adv — Int/Div

AQR Multistrgy Alternative Class N — None

IRA No. 2 (H)

Fidelity Strategic Advisors Small-Mid Cap Fund — Int/Div — Buy (add'l)

Fudelity Strategic Advisors International Fund — Int/Div

Fidelity Strategic Advisors Value Fund — Int/Div

Fidelity Strategic Advisors Core Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors Core Fund — Sold (part)

Fidelity Strategic Advisors Core Fund — Buy (add'l)

Fidelity Strategic Advisors Growth Fund — Int/Div

Fidelity Strategic Advisors Emerging Markets — Int/Div

Fidelity Strategic Advisors Core Income Fund — Int/Div — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Income Opportunity Fund — Int/Div

FIMM Money Market Port Inst CL — Int/Div

Fidelity Strategic Advisors Short Duration Fund — Int/Div

Fidelity SAI US Large Cap Index — Int/Div

Fidelity SAI Emerging Markets Index — Int/Div

AQR Managed Futures Fund CL N — None

AQR Multistrategy Altemative Class N — None — Buy

Pimco Commodity Real Return Inst — Int/Div

SAI International Index — Int/Div

Eaton Vance GL Macro Absolute Retn Adv LLY)

IRA No.3 (H)

Fidelity Strategic Advisors Small-Mid Cap Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors Small-Mid Cap Fund — Buy (add'l)

Fidelity Strategic Advisors Small-Mid Cap Fund — Sold (part)

Fidelity Strategic Advisors Small-Mid Cap Fund — Buy (add'l)

Fidelity Strategic Advisors Small-Mid Cap Fund — Sold (part)

Fidelity Strategic Advisors Small-Mid Cap Fund — Buy (add'l)

Fidelity Strategic Advisors International Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors International Fund — Buy (add'l)

Fidelity Strategic Advisors International Fund — Sold (part)

Fidelity Strategic Advisors International Fund — Sold (part)

Fidelity Strategic Advisors International Fund — Buy (add'l)

Fidelity Strategic Advisors International Fund — Buy (add'l)

Fidelity Strategic Advisors Value Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors Value Fund — Buy (add'l)

Fidelity Strategic Advisors Value Fund — Sold (part)

Fidelity Strategic Advisors Value Fund — Sold (part)

Fidelity Strategic Advisors Value Fund — Buy (add'l)

Fidelity Strategic Advisors Core Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors Core Fund — Buy (add'l)

Fidelity Strategic Advisors Core Fund — Sold (part)

Fidelity Strategic Advisors Core Fund — Buy (add'l)

Fidelity Strategic Advisors Core Fund — Sold (part)

Fidelity Strategic Advisors Core Fund — Sold (part)

Fidelity Strategic Advisors Core Fund — Sold (part)

Fidelity Strategic Advisors Core Fund — Buy (add'l)

Fidelity Strategic Advisors Core Fund — Buy (add'l)

Fidelity Strategic Advisors Growth Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors Growth Fund — Sold (part)

Fidelity Strategic Advisors Growth Fund — Buy (add'l)

Fidelity Strategic Advisors Growth Fund — Sold (part)

Fidelity Strategic Advisors Growth Fund — Sold (part)

Fidelity Strategic Advisors Growth Fund — Sold (part)

Fidelity Strategic Advisors Growth Fund — Buy (add'l)

Fidelity Strategic Advisors Growth Fund — Buy (add'l)

Fidelity Strategic Advisors Emerging Markets — Int/Div — Sold (part)

Fidelity Strategic Advisors Emerging Markets — Buy (add'l)

Fidelity Strategic Advisors Income Opportunity Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors Income Opportunity Fund — Sold (part)

Fidelity Strategic Advisors Core Income Fund — Int/Div — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Buy (add'l)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Core Income Fund — Sold (part)

Fidelity Strategic Advisors Short Duration Fund — Int/Div — Sold (part)

Fidelity Strategic Advisors Short Duration Fund — Sold (part)

Fidelity SAI US Large Cap Index — Int/Div

Fidelity SAI Emergmg Markets Index — Int/Div — Buy (add'l)

Fidelity SAI Emergmg Markets Index — Sold (part)

AQR Multi Strategy Alternative Class N — None — Buy (add'l)

AQR Managed Futures Fund CL N — None — Buy (add'l)

Pimeco Commodity Real Return Inst — Int/Div — Buy (add'l)

FIMM Government Portfolio: Inst] C1 — Int/Div — Buy (add'l)

FIMM Government Portfolio: Inst] C1 — Sold (part)

FIMM Government Portfolio: Inst] C1 — Buy (add'l)

FIMM Government Portfolio: Inst] C1 — Sold (part)

FIMM Government Portfolio: Inst] C1 — Sold (part)

FIMM Government Portfolio: Inst] C1 — Sold (part)

FIMM Government Portfolio: Inst] C1 — Buy (add'l)

Fidelity SAI Int'l Index — Int/Div — Buy (add'l)

Fidelity SAI Int'l Index — Sold (part)

Eaton Vance GL Macro Absolute Rtn Ady 1 — Int/Div

01K) (H)

Vanguard Institutional Index Fund Plus — Int/Div

Adirondack Trust Co. stock — Int/Div

Bank of America Growth Money Market Savings — Interest

Deferred Annuity (H)

Fidelity VIP Investment Grade Bond Fund — None

Fidelity VIP Strategic Income Fund — None

IRA No. 4(H)

Vanguard Total Bond Market Index Fund — Int/Div

Vanguard Total International Stock Index Fund — Int/Div

Vanguard Total Stock Market Index Fund — Int/Div

Vanguard Prime Money Market Fund — Int/Div

Vanguard Target Retirement 2020 — Int/Div

Family Trust No. 1 (H)

Fidelity Advisor Growth Opp CL — Int/Div

Fidelity Diversified International — Int/Div

Fidelity International Cap Appreciation Fund — Int/Div

Causeway International Value Investor — Int/Div — Buy (add'l)

Harbor Capital Appreciation Adm CL — Int/Div

Oakmark Fund Investor CL — Int/Div

Oakmark Intemational Investor CL 1 — Int/Div — Buy (add'l)

Oakmark Intemational Investor CL 1 — Sold (part)

Hotchkiss & Wiley Midcap Value CL A — Int/Div

Janus Henderson Enterprise T — Int/Div

Lazard bmerging Markets Equity Open CL Shares — Int/Div

MFS International Value Fund CL A — Int/Div

MFS Intemational Diversification FD A — Int/Div

MSIF Frontier Markets Port CL — Int/Div — Sold

Oppenheimer Dev Markets Class — Int/Div

T Rowe Price Intemational Discovery Fund 1 CL — Int/Div

T Rowe Price Overseas Stock 1 CL — Int/Div

T Rowe Price Emerging Markets Stock Fund — Int/Div — Buy

T Rowe Price Emerging Markets Stock Fund — Buy (add'l)

T Rowe Price Emerging Markets Stock Fund — Sold (part)

T Rowe Price Intemational Stk — Int/Div — Sold (part)

T Rowe Price Intemational Stk — Sold (part)

T Rowe Price Intemational Stk — Sold (part)

Wasatch Frontier Emerging Small Cos — None — Sold

Wells Fargo Special Midcap Adm (Y)

Fidelity Municipal Income — Int/Div — Buy (add'l)

Fidelity Tax-free Bond — Int/Div — Buy (add'l)

Fidelity Tax-free Bond — Buy (add'l)

Fidelity Tax-free Bond — Buy (add'l)

Fidelity Tax-free Bond — Sold (part)

Fidelity Tax-free Bond — Sold (part)

Strategic Adv Tax Sensitive Short Duration — Int/Div — Buy

Strategic Adv Tax Sensitive Short Duration — Buy (add'l)

Strategic Adv Tax Sensitive Short Duration — Sold (part)

Strategic Adv Tax Sensitive Short Duration — Sold (part)

Western Asset Managed Muni CL A — Int/Div — Buy

Western Asset Managed Muni CL A — Buy (add'l)

Vanguard Long Term Tax Exempt Admiral — Int/Div — Buy

Vanguard Long Term Tax Exempt Admiral — Buy (add'l)

Vanguard Long Term Tax Exempt Admiral — Buy (add'l)

Vanguard Long Term Tax Exempt Admiral — Sold (part)

Fidelity Limited Term Mum Income FD — Int/Div — Sold (part)

Fidelity Limited Term Mum Income FD — Sold

DWS Managed Muni Bond FD S (see noe) — Int/Div — Buy (add'l)

DWS Managed Muni Bond FD S (see noe) — Buy (add'l)

DWS Managed Muni Bond FD S (see noe) — Buy (add'l)

DWS Managed Muni Bond FD S (see noe) — Sold (part)

DWS Managed Muni Bond FD S (see noe) — Sold (part)

Oppenheimer International Bond Fund CL 1 — Int/Div — Buy (add'l)

Oppenheimer International Bond Fund CL 1 — Sold (part)

T Rowe Price Tax Free High Yield Ady — Int/Div — Buy (add'l)

T Rowe Price Tax Free High Yield Ady — Sold (part)

T Rowe Price Tax Free Income Ady CL — Int/Div

Templeton Global Bond Class A — Int/Div — Buy (add'l)

Templeton Global Bond Class A — Sold (part)

Templeton Global Bond Class A — Sold (part)

Templeton Global Bond Class A — Buy (add'l)

Wells Fargo Ultra Sht Muni Inc Adm — Int/Div — Sold

Fidelity Govt Cash Reserves — Int/Div

IShares S&P 100 ETF — Int/Div

IShares MSC1 EAFE ETF — Int/Div — Buy

IShares MSC1 EAFE ETF — Sold (part)

IShares MSC1 EAFE ETF — Buy (add'l)

IShares TR Russell Midcap ETF — Int/Div

IShares Russell 1000 Value ETF — Int/Div — Sold (part)

IShares Russell 1000 Value ETF — Sold (part)

IShares Russell 1000 Value ETF — Buy (add'l)

IShares Russell 1000 Growth ETF — Int/Div — Sold (part)

IShares Russell 1000 Growth ETF — Sold (part)

IShares Russell 1000 Growth ETF — Sold (part)

IShares Russell 1000 ETF — Int/Div — Sold (part)

IShares Russell 1000 ETF — Sold (part)

IShares Russell 1000 ETF — Sold (part)

Shares Russell 2000 ETF — Int/Div

IShares S&P Small Cap 600 Value — Int/Div

IShares TR S&P Small Cap 600 Growth EFTF(Y) — Int/Div — Sold (part)

IShares Inc Core MSCI Emerging Markets — Int/Div — Sold (part)

Vanguard Index FDS Vanguard Value — Int/Div

Spdr Series Trust Bloomberg BRC ONVRT — Int/Div — Sold (part)

Mamstay Mackay Tax Free Bond Class A (see note) — Int/Div

FIMM Government Cash Reserves — Int/Div — Sold

Spdr Index Shs FDS S&P Global NAT RES — Int/Div

Flexshares Trust Morningstar Global Upstream NAT RES IDX — Int/Div — Buy

Family Trust No. 2 (H)

Fidelity Diversified International — Int/Div

Fidelity International Cap Appreciation Fund — Int/Div

Fidelity Value Discovery — None — Buy

Caoseway International Value Investor — Int/Div

Harbor Capital Appreciation Adm CL — Int/Div

Oakmark Fund Investor Class — Int/Div

Oakmark International CL 1(Y)

Hotchkiss & Wiley Midcap Value CL A — Int/Div

Junus Henderson Enterprise T — Int/Div

Lazard Emerging Markets Equity Open CL Shares — Int/Div

MFS International Value Fund CL A — Int/Div

MFS International Diversification FD A — Int/Div

T Rowe Price New Era — None — Buy

T Rowe Price Overseas Stock 1 CL(Y)

TT Rowe Price Intemational Stk 1 — Int/Div

Wasatch Frontier Emerging Small Cos. — None — Sold

Wells Fargo Special Midcap Adm — None — Sold

Fidelity Municipal Income — Int/Div — Buy (add'l)

pak) — Sold (part)

Fidelity Tax-free Bond — Int/Div — Buy (add'l)

Fidelity Tax-free Bond — Sold (part)

Fidelity Limited Term Muni Income FD — Int/Div — Sold

Strategic Adv Tax Sensitive Short Duration — Int/Div — Buy

Strategic Adv Tax Sensitive Short Duration — Sold (part)

Strategic Adv Tax Sensitive Short Duration — Sold (part)

Blackrock National Muni Fund CL A — Int/Div — Buy

Mainstay Mackay High Yield Muni Bd CL A — Int/Div — Buy

Templeton Global Bond Class A — Int/Div — Buy

Templeton Global Bond Class A — Sold (part)

Templeton Global Bond Class A — Buy (add'l)

Wells Fargo Muni Bond FD - Admin CL — Distribution — Buy

DWS Managed Muni Bond FD S (see note) — Int/Div — Buy (add'l)

DWS Managed Muni Bond FD S (see note) — Sold (part)

DWS Managed Muni Bond FD S (see note) — Sold (part)

DWS Managed Muni Bond FD S (see note) — Sold (part)

Franklin Federal Tax Free Class A — Int/Div — Buy (add'l)

Franklin Federal Tax Free Class A — Buy (add'l)

Franklin Federal Tax Free Class A — Sold (part)

Franklin Federal Tax Free Class A — Sold (part)

Oppenheimer International Bond Fund CL — Int/Div — Buy (add'l)

Oppenheimer International Bond Fund CL — Sold (part)

T Rowe Price Tax Free High Yield Ady — Int/Div — Sold (part)

T Rowe Price Tax Free High Yield Ady — Sold (part)

T Rowe Price Tax Free Income Ady CL — Int/Div

Wells Fargo Ultra Sht Muni Inc Adm — Int/Div — Sold

Fidelity Govt Cash Reserves — Int/Div

Flexshares Trust Morningstar Global — Int/Div

IShares S&P 100 ETF — Int/Div

IShares TR Russell Midcap ETF — Int/Div

IShares Russell 1000 Value ETF — Int/Div — Sold (part)

IShares Russell 1000 Value ETF — Sold

IShares Russell 1000 Growth ETF — Int/Div — Sold (part)

Shares Russell 1000 ETF — Int/Div

IShares Russell 2000 ETF — Int/Div

IShares S&P Small Cap 600 Value — Int/Div

IShares TR S&P Small Cap 600 Growth FTF (Y)

Shares Edge MSCI USA Value Factor ETF — None — Buy

IShares MSC EAFE ETF — Int/Div — Buy

IShares MSC EAFE ETF — Sold

IShares Trust Core MSCI EAFE ETF — None — Buy

Shares TR EAFE Small Cap ETF — None — Sold

IShares Inc Core MSCI Emerging Markets — Int/Div

Sector Spdr Tr Shares Ben Int Financial — Int/Div

Vanguard Index FDS Vanguard Value — Int/Div

Spdr Series Trust Bloomberg BRC OCNVRT — None — Sold

Mainstay Mackay Tax Free Bond Class A (see note) — Int/Div

FIMM Government Portfolio: Inst] CL — Int/Div — Sold

Inherited IRA No. 1 (H)

T. Rowe Price Dividend Growth — Int/Div — Sold (part)

T. Rowe Price Spectrum Income — Int/Div — Sold (part)

Inherited IRA No. 2 (H)

TIAA Tradinonal (see note) — Interest — Sold (part)

TIAA Tradinonal (see note) — Sold (part)

CREF Stock (see note) — Sold (part)

CREF Stock (see note) — Sold (part)

CREF Global Equities (see note) — Sold (part)

CREF Global Equities (see note) — Sold (part)

TIAA Real Estate (see note) — Sold (part)

TIAA Real Estate (see note) — Sold (part)

CREF Bond Market (see note) — Sold (part)

CREF Bond Market (see note) — Sold (part)

CREF Inflation Linked Bond (see note) — Sold (part)

CREF Inflation Linked Bond (see note) — Sold (part)

Bank of America checking (cash equivalent) — Interest

Bank of America checking (cash equivalent) 4) — Interest

Bank of America checking (cash equivalent) (21Y)

Bank of America checking (cash equivalent) ANY)

Trustee, Famuly Trust No.

Director, Federal Bar Assocation — Chicago Chapter

Line 136 (on last year's form) listed an mvestment in Eaton Vance Global Macro Absolute RT CL 1 and a transaction on 10/25/17 as "Sold (part).” That was an

error. The transaction should have been listed as "Sold." The rest of the information was correct. Because the investment was sold, it does not appear on line 146

(the equivalent line) on this year's form,

Lines 214, 286. The name of this fund changed during 2018. On last year’s report, the fund appeared on line 197 as Deutsche Managed Muni Bond Fd S.

Line 250, 320. The name of this fund changed during 2018, On last year’s report, the fund appeared on line 227 as Mainstay Tax Free Bond Class A.

Lines 326-37. This is an inherited IRA. Except for line 294, Column B is not completed because it cannot be, The TIAA-CREF statements disclose no

information about income (other than for the "TIAA Traditional” fund), and TIAA-CREF personnel have told me that the information is unavailable because the

investments are “annuity-based." Similarly, information about gain or loss from "sales" (the distributions | am required to take) is not reported in Column D for

any portion of the IRA because TIAA-CREF personnel have told me that information about gains or losses is unavailable.

Lines 340-41, My [ll was s joint holder of these accounts with a former [JIE During 2018, Jill I removed her name from the account and ceased

to be a joint account holder.