General IFB Wealth is a limited liability company organized in the state of Florida. This Firm has been in business since 2018 and is wholly owned by International Finance Bank. IFB Wealth offers the following services to advisory clients: Investment Supervisory Services IFB Wealth offers ongoing investment advisory services based on the individual goals, objectives, time horizon, and risk tolerance of each client. IFB Wealth creates an Investment Policy Statement (“IPS”) for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan (the IPS) to aid in the selection of a portfolio that matches each client’s specific situation. Investment Supervisory Services include, but are not limited to, the following:
• Investment strategy
• Asset allocation
• Risk tolerance
• Personal investment policy
• Asset selection
• Regular portfolio monitoring IFB Wealth evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the IPS, which is given to each client. IFB Wealth will generally select third-party portfolio managers to manage client assets; however, IFB Wealth may also directly manage assets on behalf of its clients. Services Limited to Specific Types of Investments IFB Wealth generally limits its investment advice and/or money management to equities, option contracts, bonds and mutual funds registered in the U.S. and fixed income. However, IFB Wealth will also use other securities to help diversify a portfolio when applicable. Tailored Relationships IFB Wealth develops customized strategies based on the stated investment objectives, risk tolerances, and financial circumstances of each client. While IFB Wealth often selects or recommends a variety of securities for its clients, each client may choose to impose reasonable restrictions on the management of their accounts, including requesting the restriction of particular securities or types of investments. For instance, sometimes restrictions are imposed by the governing documents of a client (i.e. corporate documents). IFB Wealth’s IARs work with their clients to identify their investment goals and objectives, as well as risk tolerance, in order to create a portfolio allocation strategy designed to complement the client’s financial situation and personal circumstances. The goals and objectives for each client are documented by the Adviser in an agreement with the client in an IPS. Additional General Information Other professionals (e.g., lawyers, accountants, insurance agents, etc.) may be recommended to clients or engaged directly by the client on

an as-needed basis. Conflicts of interest related to recommendations of other professionals will be disclosed to the client in the event they should occur. IFB Wealth’s Agreements may not be assigned without client consent. Third Party Portfolio Manager Based upon the stated investment objectives of the client, IFB Wealth may recommend clients that authorize active discretionary management of a portion or all of their assets to certain investment managers that are not affiliated with the Adviser. The Adviser shall continue to render services to the client by monitoring and reviewing the performance of the Third-Party Manager (“TPM”) and the performance of the client’s accounts that are being managed. The specific terms and conditions under which a client engages a TPM may be set forth in a separate written agreement with the designated TPM. In addition to this brochure, clients may also receive the written disclosure documents of the respective TPM engaged to manage their assets. IFB Wealth continues to provide services relative to the discretionary or non- discretionary selection of the TPM. IFB Wealth seeks to ensure the TPMs’ strategies and target allocations remain aligned with its client’s investment objectives and overall best interests. Clients will enter into Investment Advisory Contracts with IFB Wealth. Once IFB Wealth has selected a TPM, IFB Wealth will enter into a sub-advisory agreement with the TPM. IFB Wealth will furnish the TPM with information regarding the financial background, investment objectives and investment restrictions of the client to the extent such information is provided by the client. The sub-advisory agreement between IFB Wealth and the TPM generally includes terms whereby the TPM agrees to manage the client’s account on a discretionary basis in accordance with objectives of the client. In order to facilitate account reporting when utilizing TPMs, account assets are usually held at a custodian designated by the TPM and the arrangement will also generally require that all securities transactions for the client's account be executed by the custodian or the broker-dealer of the TPM’s choice which could include an affiliate of the TPM. The TPM will charge the client investment advisory fees. In a wrap program, the total advisory fees include transaction costs that would normally be paid separately by the client to the broker-dealer or custodian if the client were subscribing to a non-wrap account. Based on the arrangement with the TPM, the TPM will rebate a portion of the advisory fee to IFB Wealth or IFB Wealth will debit the advisory fees and remit the applicable portion to the TPM. As of December 31, 2022, IFB Wealth had $135,759,629 in assets under management (“AUM”), $20,199,998 of which was on a discretionary basis.