NBS Financial Services, Inc. is an investment advisor registered with the United States Securities and Exchange Commission (“SEC”) and is a corporation formed under the laws of the State of California. Joseph “Geordie” Crossan is the President and Owner of NBS Financial Services, Inc. NBS Financial Services, Inc., Inc. has been registered as an investment advisor with the SEC since May 1984. General Description of Primary Advisory Services We are in the business of advising clients who want to develop and implement an intelligent, effective long-term investment strategy, customized to their personal goals and resources. The following are brief descriptions of the primary advisory services of NBS Financial Services, Inc. A more detailed description of our advisory services is provided in Item 5 – Fees and Compensation so that clients and prospective clients can review the description of services and description of fees in a side-by- side manner. Financial Planning Services - NBS Financial Services, Inc. provides advisory services in the form of financial planning services. Financial planning services do not involve the active management of client accounts, but instead focus on a client’s overall financial situation. Financial planning can be described as helping individuals determine and set their long-term financial goals, through investments, tax planning, asset allocation, risk management, retirement planning, and other areas. The role of a financial planner is to find ways to help clients understand their overall financial situation and to help clients set financial objectives. Asset Management Services - NBS Financial Services, Inc. provides advisory services in the form of asset management services through our Asset Allocation and Portfolio Management Program. Asset management services involve providing clients with continuous and on-going supervision over client accounts. This means that NBS Financial Services, Inc. will continuously monitor a client’s account and make trades in client accounts when necessary. Outside Money Managers - NBS Financial Services, Inc. provides advisory services by referring clients to outside, or unaffiliated, money managers that are registered or exempt from registration as investment advisors. Third-party money managers are responsible for continuously monitoring client accounts and making trades in client accounts when necessary. Specialization. The firm specializes in Retirement Planning, which is our process of planning for retirement specifically in terms of developing a comprehensive retirement plan. We use Monte Carlo modeling to run thousands of simulations based on many crucial factors such as multiple income sources, risk tolerance, market volatility, tax efficient disbursement, changing income needs over time, varied inflation

rates, and required minimum distributions from IRAs. This tool helps to increase the transparency of the retirement process and provides a framework for open and honest discussion on the realities of retirement. Limits Advice to Certain Types of Investments. NBS Financial Services, Inc. provides investment advice on the following types of investments:  No-Load (i.e. no trading fee) and Load-Waived (i.e. trading fee waived) Mutual Fund Shares  Exchange-listed securities (i.e. stocks)  Securities traded over-the-counter (i.e. stocks)  Fixed income securities (i.e. bonds)  Closed-End Funds and Exchange Traded Funds (ETFs)  Foreign Issues  Warrants  Corporate debt securities (other than commercial paper)  Commercial paper  Certificates of deposit  Municipal securities  Variable life insurance  Variable and fixed annuities  United States government securities  Options contracts on securities  Real Estate Investment Trusts (REITs) NBS Financial Services, Inc. does not provide advice on options contracts on commodities; futures contracts on tangibles and intangibles; interests in partnerships investing in real estate or oil and gas interests, and hedge funds; and other types of private (i.e. non-registered) securities. When providing Asset Allocation and Portfolio Management Services, NBS Financial Services, Inc. typically constructs each client’s account holdings using mutual funds, equities, and individual bonds to build diversified portfolios. It is not our typical investment strategy to attempt to time the market but we may increase cash holdings modestly as deemed appropriate, based on a client’s risk tolerance and our expectations of market behavior. We may modify our investment strategy to accommodate special situations such as low basis stock, stock options, legacy holdings, inheritances, closely held businesses, collectibles, or special tax situations. (Please refer to Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss for more information.) Tailor Advisory Services to Individual Needs of Clients The services of NBS Financial Services, Inc. are always provided based on the individual needs of each client. This means, for example, that the client is given the ability to impose restrictions on the accounts we manage for you, including specific investment selections and sectors. We work with each client on a one-on-one basis through interviews and questionnaires to determine the client’s investment objectives and suitability information. Client Assets Managed by NBS Financial Services, Inc. The amount of clients assets managed by NBS Financial Services, Inc. totaled $225,358,037 as of December 31, 2022. $222,509,428 is managed on a discretionary basis and $2,848,609 is managed on a non-discretionary basis.