Rialto Wealth Management (“Rialto” or “Advisor”) is an investment advisor firm registered with the United States Securities and Exchange Commission (“SEC”). The principal owners of Rialto are Michael L. Antonacci, Member, Edward J. Barno, Member, and Ethan D. Gilbert, Member and Chief Compliance Officer, Rachel Ryan, Member, Jeffrey H. Watson, Member. Advisory Services Rialto’s principal service is providing fee-based, fiduciary investment management and financial planning services. The Advisor practices custom management of portfolios, on a discretionary basis, according to the client’s objectives. The Advisor primarily uses low-cost non-actively managed mutual funds and exchange traded funds to accomplish this objective. In addition, Advisor may recommend and use exchange listed securities, over-the-counter securities, CDs, United States government securities, and options on securities to meet a client’s investment needs. The advisor selects mutual funds and ETFs by using various criteria, such as cost, turnover ratio, exposure to the desired asset class, management’s tenure, and fund performance. The Advisor may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, reducing exposure to a specific security, sector, or class of securities, overvaluation or overweighting of the position(s) in the portfolio, change in risk tolerance of client, or any risk deemed unacceptable for the client’s total financial picture. Qualified Retirement Plan Consulting Services Rialto will offer pension consulting services to Qualified Plans and participant fiduciary advice to plan participants for assets held at Qualified Plans. The Advisor’s pension consulting services and participant fiduciary advice will be based on information obtained from the plan participant about goals and investment objectives, time horizon, risk tolerance and the plan participant's financial situation. In cases where Rialto provides ERISA Section 3(38) fiduciary investment services, Rialto is responsible for the implementation of recommendations for the Qualified Plans. Where Rialto provides ERISA Section 3(21) fiduciary investment recommendations, the trustee and the investment committee are responsible for implementation of recommendations and Rialto will not act on the plan participants’ behalf to implement these recommendations. Rialto may offer other pension consulting services that include but are not limited to educational seminars, plan surveys, evaluations of vendor's services or special projects on behalf of the plan sponsor. Additionally, Rialto Wealth Management LLC may provide services as follows for qualified retirement plans: Fiduciary Services The Advisor may perform the following Fiduciary Services: (i) Provide discretionary and non-discretionary investment advice to the Client about asset classes and investment alternatives available for the Plan in accordance with the Plan’s Rialto Wealth Management Page 5 investment policies and objectives. Client shall have the final decision-making authority regarding the initial selection, retention, removal and addition of investment options. (ii) Assist the Client with the selection of a broad range of investment options consistent with ERISA section 404(c) and the regulations thereunder. (iii) Assist the Client in the development of an investment policy statement (IPS). The IPS establishes the investment policies and objectives for the Plan. Client shall have the ultimate responsibility and authority to establish such policies and objectives and to adopt and amend the investment policy statement. (iv) Assist in monitoring investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformance to the guidelines set forth in the IPS and make recommendations to maintain or remove and replace investment options. (v) Meet with Client on a periodic basis to discuss the reports and the

investment recommendations. (vi) Provide discretionary and non-discretionary investment advice to the Plan Sponsor with respect to the selection of a qualified default investment alternative (“QDIA”) for participants who are automatically enrolled in the Plan or who otherwise fail to make an investment election. The Client retains the sole responsibility to provide all notices to participants required under ERISA section 404(c)(5). Non-Fiduciary Services The Advisor may perform the following Non-Fiduciary services: (i) Assist in the education of the participants in the Plan about general investment principles and the investment alternatives available under the Plan. Client understands that Advisor’s assistance in participant investment education shall be consistent with and within the scope of section (d) of the Department of Labor Interpretive Bulletin 96-1 (i.e., the definition of investment education). As such, the Advisor is not providing fiduciary advice (as defined in ERISA) to the participants. Advisor will not provide investment advice concerning the prudence of any investment option or combination of investment options for a particular participant or beneficiary under the Plan. (ii) Assist in the group enrollment meetings designed to increase retirement plan participation among employees and investment and financial understanding by the employees. Advisor may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between Advisor and Client. Rialto Wealth Management Page 6 The Advisor's roles and actions in fulfilling all responsibilities pertaining to this Agreement shall not include those of the Plan's Trustee, and will be performed solely at the direction of the Plan Sponsor, its authorized officers, employees and/or agents. At no time will the Advisor accept, maintain possession of, or have custodial responsibility for, the Plan's assets. The Advisor will not conduct or effect the purchase or sale of any assets of the Plan on behalf of the Plan Sponsor or Plan Participants. The Advisor will not advise, in any manner, any Participant, person or entity related to the Plan other than the Plan Sponsor, except where the Participant is an advisory client of Rialto under a separate advisory agreement. Communicational and educational activities in which the Advisor engages related to Participants in the Plan shall be solely at the direction of the Plan Sponsor, and shall not be represented by the Advisor or Plan Sponsor as investment, tax or legal advice. The Advisor is not licensed to provide, shall not provide, nor be construed to provide, the services of an attorney or accountant. Financial Planning In addition to investment management services, Rialto may provide financial planning services to its clients. The Advisor’s financial planning services may include recommendations for portfolio customization based on the client’s investment objectives, goals and financial situation, recommendations relating to investment strategies as well as tailored investment advice. Financial planning may also include non-investment advice such as developing strategies to achieve retirement or other financial goals, tax optimization strategies, cash flow and budgeting analysis and recommendations, financing and financial education, estate planning, and asset protection strategies. Rialto will tailor its advisory services to its client’s individual needs based on meetings and conversations with the client. If clients wish to impose certain restrictions on investing in certain securities or types of securities, the Advisor will address those restrictions with the client to have a clear understanding of the client’s requirements. Rialto does not provide portfolio management services to wrap fee programs. As of December 31, 2023, Rialto had $305,185,000 in discretionary, and $7,159,000 in non- discretionary client assets under management.