Firm Description St. Bernard Financial Services, Inc., in addition to being a registered Broker/Dealer, is a fee-based financial advisory firm providing investment advisory services to individuals and small businesses. Founded in 1994, St Bernard is registered as a broker/dealer with the United States Securities and Exchange Commission, The Financial Industry Regulatory Authority (FINRA), the Municipal Securities Rulemaking Board (MSRB), The Securities Investor Protection Corporation (SIPC) and the various states in which we do business. We are registered as an Investment Advisory firm with the United States Securities and Exchange Commission. St Bernard has been registered and provided its broker/dealer and advisory services since its founding. St Bernard provides portfolio management for individuals, small business, and institutional clients other than investment companies. This service includes the design of portfolios and the implementation of them by the purchase and sale of: (1) registered securities, (2) annuities, and (3) life insurance. Clients may impose restrictions as to the amount of a certain security or type of security. The portfolio will be designed by the advisor in collaboration with St Bernard. Portfolio design is offered to all clients and there is no minimum account size for this service. There is no charge for portfolio design. St Bernard does not participate in wrap fee accounts. While many of our services are provided totally within St. Bernard, we also work with other firms to provide some services. As a St. Bernard Registered Investment Advisory

client, you will get objective advice without product sales bias or pressure. When we recommend changes in your financial strategy, we take the time to make sure you understand the potential rewards and risks and how those changes will help you achieve your goals. Most importantly, a professional team with uncompromising ethics who believe in a client-oriented, performance-driven approach will support you. Firm CEO and Registered Principal Robert Keenan, MBA - Active in financial services since 1987, Mr. Keenan is the founder and CEO of St. Bernard Financial Services, Inc. He has managed both retail securities firms and bank related securities firms. He trained at American Express Financial Advisors and worked for Washington Square Securities before founding St. Bernard Financial Services, Inc. in 1994. He holds a Bachelor Degree in Business Administration from the University of Arkansas in Fayetteville and a Master of Business Administration from the University of Central Arkansas in Conway. Born in 1951, he is a past board member of the WestArk Area Council of the Boy Scouts of America, the Tri- County Regional Water Distribution District, Main Street Russellville, the Russellville Airport Commission, and the Arkansas Valley Bank. He has served as a Small Firm Representative on FINRA's Board of Governors and has served a term on FINRA's Regional Committee in addition to serving as a Hearing Officer on several disciplinary hearings for FINRA. Managed Assets As of December 31, 2023, St. Bernard Financial Services, Inc. managed approximately $129 million in assets.