A – Continental Investors Services, Inc. (“Continental”) has been providing financial services to the investment community since 1991, primarily as a broker- dealer registered with the U.S. Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). In an effort to continue a high level of service to clients through its Investment Advisor Representatives (“Advisors”) Continental filed for registration as a Registered Investment Advisor in 2012. Continental is owned by two shareholders: Max Kamp (72%) and Betty Jane Trembley (28%). B – We offer portfolio management for individuals, small businesses, and non-profit organizations. Our firm offers portfolios managed by Continental, Zacks, or Envestnet Portfolios. Your Advisor will provide financial advice, asset management or investment management services on a discretionary basis for a fee based on a percentage of assets under management or a commission per transaction, but not both. In all cases, your investments will be tailored to match your objectives and time horizon. The Advisor makes the recommendation as to which model a customer will use depending on the customer’s suitability and objectives. Our investment advice is tailored to meet our clients’ needs and investment objectives using suitability information collected from clients, including time horizon, financial needs, etc. If you retain our firm for portfolio management services, we will meet with you to determine your investment objectives, risk tolerance and other relevant information (the “suitability information”) at the beginning of our advisory relationship to determine the best investments for your needs. We will use the suitability information we gather to recommend an initial portfolio to you. As part of our portfolio management services, we may customize an investment portfolio for you in accordance with your risk tolerance and investing objectives and/or we may invest your assets using a predefined strategy of one or more model portfolios. Once we construct an investment portfolio or select a model portfolio for you, we will periodically monitor and rebalance/reallocate the portfolio as per our agreement with you. We offer access to multiple managers and allocation services through separate account management platforms. Based on your needs and suitability, we may recommend or select various account management platforms to manage all or a portion of your assets. Advisory options include:  Schwab Institutional Intelligent Portfolio Platform

– Offers seven models with risk tolerances ranging from Conservative to Aggressive. After a risk tolerance profile is completed, a suitable model is selected for the client and invested accordingly. Models are rebalanced automatically on a continual basis.  Envestnet Platform – Offers a wide variety of portfolio models. After a risk tolerance profile is completed, a suitable model is selected for the client and invested accordingly. Management fees will vary depending on the model. CIS 9/25/23 5  Separately Managed Accounts (SMAs) on Schwab Advisor Platform – After a risk profile is completed, a suitable portfolio is selected for the client and invested accordingly. There are no additional transaction fees or other fees outside of the management fee.  Separately Managed Accounts (SMAs) – Bond Ladder portfolio. A commission is charged on a per transaction basis. No additional management or advisory fees are charged.  Zacks Investment Management, Inc. – SMA Accounts: After a risk profile is completed, a suitable portfolio is selected for the client, invested accordingly by Zacks, and managed by Zacks.  Zacks Investment Management, Inc. – Pre-selected models: Offers six models with risk tolerances ranging from Conservative to Ultra Aggressive. After a risk tolerance profile is completed, a suitable model is selected for the client and invested accordingly. Models are managed by Zacks.  Discretionary advice for ERISA retirement plans at The Standard. C – The firm tailors services to the individual needs of clients by assisting clients select the portfolio that is most appropriate to their specific suitability needs from the portfolios offered. It is important for you to provide your Advisor with information on your investment goals, time before you will need to use your investments, and any other information that might impact the types of investments recommended by your Advisor. Advisors will learn about your investment objectives and time horizon through a variety of means, including interviews or questionnaires. All account investment options are tailored to meet the suitability needs of each client. D - The firm does not participate in any wrap fee program. E - As of 9/25/23, Continental has 656 accounts under management on a discretionary basis totaling $152,080,000. The firm maintains no accounts on a non-discretionary basis. If you have a retirement plan (“Plan”) with Continental, services may include:  Portfolio management for individuals and/or small businesses  Portfolio management for non-profit organizations