Overview of the Firm DVI is a registered investment advisor, privately owned since its initial registration with the SEC in 1977, with its headquarters in Peoria, Illinois and a second office in Winter Park, Florida. DVI is organized as a Delaware limited liability company, of which Hometown Community Bancorp, Inc. (“HCB”) is the majority. HCB (an ESOP company) is a privately held community bank located in Central Illinois; DVI is an operating subsidiary of HCB. The DVI team provides investment management services, building custom portfolios, that are based on each a client’s unique set of income and growth objectives, risk tolerance levels and tax considerations. Client restrictions are discussed in Item 16 - Investment Discretion. While separately managed accounts are DVI’s core competence, the Firm also provides a variety of ancillary wealth management and financial planning services and works with clients’ other advisers to solve complex tax, legal and financial challenges. The Executive Officers of DVI are as follows: Lawrence Williams, IV Chairman, President & CEO Brian A. Christensen Senior Vice President & Chief Investment Officer (CFA) Patrick J. Smarjesse Senior Vice President (CEBS) Todd M. Sheridan Vice President (CFA) Stephen K. Hinrichs Vice President of Investment Research (CFA) Michael A. Price Chief Compliance Officer & Vice President of Risk Management & Corporate Secretary Elizabeth W. Salmon Vice President of Operations (CPA) Jeffrey J. Huizenga Director of Wealth Strategies (CFP®, ChFC®, MSFS®) Stephanie A. Ricketts Director of Client Services & Senior Relationship Manager (CFP®) Alfredo A. Risi Chief Operating Officer Glenn J. Maxey Director & Portfolio Manager (CFA) The Firm manages $4,298,493,004 in discretionary assets and $0 of non-discretionary assets as of December 31, 2023. These values do not include any assets under advisement. Discretionary Asset Management Services DVI provides investment advisory services to high-net worth individuals, trusts, estates, charitable organizations, public & private foundations, qualified plans, corporations, and other business entities. Equity Portfolio Management DVI’s primary focus is the management of value-oriented, income-producing common stock portfolios. DVI utilizes a disciplined investment process that focuses on the development of fundamentally sound diversified equity portfolios with the highest priority placed upon risk management and the preservation of invested capital. For portfolios without the scale to use individual securities, DVI may invest assets into a portfolio of Exchange Traded Funds that invest in equities. Balanced Portfolio Management DVI provides a Balanced Portfolio Strategy using individual stocks and fixed-income instruments within the overall framework of an asset allocation target. Within this strategy, money market fund assets and cash equivalents are considered Equity Strategy assets for fee calculation purposes. For portfolios without the scale to use individual securities, DVI may invest assets into a portfolio of Exchange Traded Funds that invest in equities and fixed income securities. Fixed Income Portfolio Management DVI also provides fixed income management using both taxable and tax-exempt securities for those clients who desire an allocation to this asset class for the purpose of risk reduction or current income enhancement. Mutual Fund - Asset Allocation Portfolio Management DVI has developed proprietary models for both fund selection as well as the development of asset allocation portfolios comprised of mutual funds, targeted primarily toward smaller accounts. Investment Advisory Services to HCB affiliates DVI serves as a sub-advisor for and maintains a contractual agreement with Morton Community Bank (“MCB”), an affiliate of HCB. The Firm provides discretionary investment advisory services as listed above and has developed proprietary model portfolios that are intended to be executed by MCB. Consulting Services DVI Consulting Group is a service targeted to the Plan Sponsors of participant and trustee-directed qualified plans, Taft-Hartley plans, foundations and endowment funds of non-profit organizations. These assets are included in DVI’s reported assets under advisement but not assets under management. 5 CRD #: 105990 Such services are designed to minimize the fiduciary liability of plan sponsors and include the development of investment policy statements, the selection and monitoring of investment options, the communication of investment options to plan participants, the investment education of plan participants and the performance measurement and evaluation of plan investment options. Foundation & Endowment Services Services related to Foundation and Endowments include: the development of investment policy statements & spending policies and the selection and monitoring of investment options and performance measurement & reporting. In addition, the Firm provides services related to the accounting of related financial activities, the processing of grant requests, and account aggregation. For such Clients who want consultative advice, ancillary support services and discretionary investment management, the Firm offers Outsourced Chief Investment Officer (“OCIO”) services, which is a customized integrated solution meeting the specific needs of larger Foundation and Endowment Clients. Beyond the Portfolio While building and managing high-quality investment portfolios is DVI's signature service, the Firm offers many other solutions to the complex challenges faced by clients. DVI works in partnership with clients' other advisers on matters such as:
• Trust and estate planning & settlement • Philanthropic advisory
• Financial & retirement planning - Outsourced CIO Services
• Tax-sensitive investment planning - Donor advised funds
• Distribution analysis - Charitable trusts
• Education funding & 529 college savings plans - Private foundation

• Individual trustee support services • Generational wealth transfer strategies
• Stock option strategies - Grantor retained annuity trusts
• Cash management - Defective grantor trusts
• Accommodation accounts • Corporate trustee & fiduciary services
• Management of concentrated holdings • Executive compensation strategies
• Debt management • Private company advisory
• Corporate employee benefits DVI may also provide financial planning services, which is an evaluation of a client's financial state using currently known variables to predict future cash flows and asset values. Through in-depth personal interviews, the Firm gathers information including the client's current financial status, tax status, future goals, return objectives and attitudes towards risk. DVI then reviews these documents, conducts analyses and develops strategies intended to optimize clients’ future financial situations. DVI also provides clients with a quarterly newsletter “Quarterly Perspective”, which keeps clients informed about DVI’s views on the investment markets and other related topics. In addition, the Firm publishes an annual “Year in Review” and other assorted communications, all at no additional cost to clients. Account Aggregation Services DVI may also provide periodic comprehensive reporting services which can incorporate all of a client’s investment assets, including those that are not part of the assets managed by DVI (“Excluded Assets”). Should the client receive such reporting services, the client acknowledges and understands that with respect to the Excluded Assets, DVI’s service is limited to reporting services only and does not include investment management, review, monitoring services, investment recommendations or advice. As such, the client (and not DVI) shall be exclusively responsible for the investment performance of the Excluded Assets. In the event the client desires DVI to provide investment management services with respect to the Excluded Assets, the client may engage DVI to do so for a separate and additional fee pursuant to the terms and conditions of the Investment Advisory Agreement between DVI and the client. Implementation of Recommendations For most of the Firm’s client accounts, DVI has full investment discretion to buy and sell securities as the Firm deems appropriate. However, clients may at times impose specific guidelines, requirements, restrictions or requests as it relates to the management of certain accounts. Such guidelines, requirements, restrictions or requests are initiated at the discretion of clients, and DVI does its best to accommodate such formal requests. DVI’s financial planning obligation is to merely present financial planning recommendations to the client and the Firm does not have the obligation or responsibility to implement them. DVI is not a law firm and does not draft documents, so the client must present the Firm’s findings and recommendations to their attorney, engage such professionals to design the actual strategies used and draft the corresponding documentation necessary to implement any such strategies. The client shall have the sole authority and obligation regarding the implementation, acceptance, or rejection of any recommendation given by DVI. Also, DVI is not an accounting or tax advisory firm; therefore, the client must retain firms of their choosing to implement any related recommendations made by the Firm. If requested by the client, DVI may recommend the services of other professionals for 6 CRD #: 105990 development and implementation of strategies within their particular area of expertise. The client is under no obligation to engage the services of any such recommended professional and retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from DVI. IRA Rollovers When DVI provides investment advice to a client or potential client regarding their retirement plan account or individual retirement account, the Firm is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The manner in which DVI generates fees can create conflicts with clients’ interests, so the Firm operates under a special rule that requires acting in the best interest of clients and not putting the Firm’s interest ahead of theirs. Under this special rule’s provisions, DVI must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put the Firm’s financial interests ahead of clients’ when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that the Firm gives advice that is in the client’s best interest;
• Charge no more than is reasonable for the Firm’s services; and
• Give clients or potential clients basic information about conflicts of interest. DVI benefits financially from the rollover of client assets from an ERISA account to an account that the Firm manages or provides investment advice to, because the new assets increase the Firm’s assets under management and advisory fees. In contrast, the Firm receives less or no compensation if assets remain in the current plan or are rolled over to another Company plan in which the client may participate. As it relates to the transfer of such retirement assets, DVI serves as a fiduciary under both the Employee Retirement Income Security Act (“ERISA”) and the Internal Revenue Code. For any potential rollover of retirement assets, the Firm will adhere to the impartial conduct standards shown above and also provide a written fiduciary disclosure and formal recommendation for why such a transfer may or may not be in the client’s best interest. In no case is a client obligated to rollover retirement assets to an account managed by DVI.