Vestbridge provides investment advisory and investment management services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and business entities (“clients”). Vestbridge is a newly formed SEC registered investment adviser. John “Sean” J.. (“Sean”) Hanlon is the principal owner of Vestbridge. Vestbridge is an affiliated company to Hanlon Investment Management, Inc., (“Hanlon”) also a SEC registered investment adviser. The Firm provides comprehensive investment advisory services which include wealth and asset management and could include financial planning. When clients open an account with Vestbridge, the client will enter into a written Investment Management Agreement (IMA) with Vestbridge which describes the nature and extent of Vestbridge’s services, the terms and conditions applicable to such services and the fees to be charged. When specifically requested by a client, Vestbridge may provide limited consultation services on investment and non-investment related matters. Any client requesting such services may be required to execute a financial planning agreement with Vestbridge at a negotiated fee. At the beginning of the relationship with the client, a Vestbridgen adviser (“adviser”) will obtain the client’s financial situation, investment goals and objectives, financial goals, tolerance for risk, and investment time horizon (“Investor Risk Profile”). The adviser then determines if it is appropriate to recommend that the client open an account(s). Clients will establish an account(s) with a qualified custodian with whom Vestbridge has an existing custodial arrangement. Based on the Investor Risk Profile (as defined above) the adviser will determine the appropriate allocation of the account among various investment strategies and investments generally and Vestbridge will manage or effect purchases, sales, or other transactions for the account. In addition, Vestbridge will have the authority and discretion to reallocate and make changes to the account investments at any time, unless noted otherwise by the client. In managing the account assets, Vestbridge is specifically permitted to retain all or part of the original, existing investments in the account on day one, or to liquidate any or all investments, at Vestbridge’s discretion, unless noted otherwise by the client. Vestbridge does not guarantee the future performance of any accounts, any specific level of performance, the success of any investment decision or strategy. The investment and other decisions made by Vestbridge for the account(s) are subject to various market, currency, economic, political, and business risks, and those investment decisions will not always be profitable. At leastTypically annually, Vestbridge will contact the client to determine whether there have been any changes in the client’s financial situation or investment objectives and whether any changes to the client’s account would be appropriate. At least quarterly Vestbridge, or a third party selected by Vestbridge, will provide a report to the client and the adviser reflecting all activity in the account during the preceding period, including performance calculations for the prior periods, all transactions made on behalf of the account, all contributions and withdrawals, all fees and expenses, and the value of the account at the beginning and end of the period. However, the client should note that the statement provided by the custodian holding their account is the official record for all account activity. The client should compare the custodial statement to the report provided by Vestbridge for any discrepancies or omissions. If such a discrepancy or omission is found, the client should call Vestbridge immediately. Investment Advisory Services Brokerage Platforms: Vestbridge provides discretionary investment management services, for clients that hold assets

at certain qualified custodians. For a list of these custodians please contact Vestbridge at (609) 701-2900. In addition to Models, investments recommended and made by Vestbridge in brokerage accounts include no-load and load-waived mutual funds, including mutual funds managed by an affiliated firm, Hanlon Investment Management, Inc. ETFs, individual stocks, and bonds. See Item 5 for a summary of service fees and custodian fees associated with brokerage accounts. Variable Insurance Products Vestbridge provides discretionary investment management services to the owners of variable annuities products issued by many different insurance carriers, which are all registered as securities products with the SEC. Clients will execute a contract with Vestbridge to manage the investible value of the clients’ insurance account among the available investment options, referred to as “subaccounts.” The client accounts are held in custody at a qualified custodian chosen by the issuing insurance company and listed in the prospectus. Each individual insurance carrier may require the client to execute additional forms to allow Vestbridge to provide investment management services. Vestbridge executes trades through a process defined by each individual insurance carrier or custodian. In some instances, the issuer of the insurance contract has imposed limitations on the frequency of transactions in certain insurance separate accounts. Vestbridge tracks those restrictions and adjusts account allocations accordingly. See Item 5 for a summary of service fees and custodian fees associated with variable insurance products. Retirement Platforms: Pursuant to a written agreement between Vestbridge and a qualified plan and/or plan participant, Vestbridge may serve as a fiduciary defined by the Employee Retirement Income Security Act of 1974 (“ERISA”) on a variety of different retirement platforms. Vestbridge offers the following fiduciary services which are described in greater detail within the written agreement. These services include but are not limited to managing plan and participant accounts, Qualified Default Investment Alternative management (“QDIA”), and selection and monitoring of Designated Investment Alternatives (“Core Funds Services”). The plan or participant accounts are held at a qualified custodian chosen by the plan. Investments recommended and made by Vestbridge in retirement platforms include no-load and load-waived mutual funds, ETFs, collective investment funds (“CIFs”), individual stocks and bonds. For certain plans, Vestbridge may recommend that the Hanlon Mutual Fund is part of the plan’s investment options. See Item 5 for a summary of service fees associated with Vestbridge’s management on retirement platforms. Affiliated Mutual Funds Tactical Dividend and Momentum Fund An affiliated company, Hanlon, is the advisor to the Tactical Dividend and Momentum Fund (HTDAX, HTDCX, HTDIX, HTDRX) (the “TDM Fund”), an investment company registered under the Investment Company Act of 1940. The TDM Fund invests in ETFs and stocks that represent the 11 sectors of the S&P 500, partially following a rules-based sector allocation. The prospectus, which is sent to clients, contains a complete description of the TDM Fund, its strategy, objectives, and costs. Please Note – Combined Fee: Although all mutual funds charge fees (i.e. administrative and investment management fees), because of the TDM Fund’s relationship to Vestbridge, a conflict of interest is presented because Vestbridge and Hanlon are under common ownership and control and may earn a dual fee. A dual fee may occur when a client opens an account with Vestbridge and Vestbridge chooses to invest in the TDM Fund. Vestbridge’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the above conflict of interest.