Our Advisers Breton Financial, Inc. has been providing financial planning services, and has been incorporated, since 1988. The principal owners of Breton Financial, Inc. are Patricia S. Feeney, President, and Roseann Bové, Vice President. PATRICIA S. FEENEY, CFA, CFP® was born in 1948 in Westfield, Massachusetts. Ms. Feeney is a Charted Financial Analyst (CFA) and Certified Financial Planner™ (CFP®). Ms. Feeney holds the degree of Master of Science in Financial Services (MSFS) from the American College, Bryn Mawr, PA. She holds a B.A. in biology from Notre Dame College of Staten Island as well. Ms. Feeney has operated The Breton Company since its formation in February 1982. Ms. Feeney is a member of the Association for Investment Management and Research (AIMR), the Financial Analysts of Philadelphia, and The Financial Planning Association (FPA). She is registered as a financial practitioner with the FPA, and has been listed in Who's Who in Finance and Industry. Ms. Feeney was named as one of America's Best Financial Advisors in Worth Magazine. ROSEANN BOVÉ, CFP®, CLU, MSFS was born in 1942 in Celina, Ohio. Ms. Bové holds the Degree of Master of Science in Financial Services (MSFS) from the American College, Bryn Mawr, PA. She is a Certified Financial Planner™ (CFP®) having successfully completed the program of the College for Financial Planning in January, 1989. Ms. Bové is also a Chartered Life Underwriter (CLU) having successfully completed the program of the American College in January, 1987. Ms. Bové holds certificates in both Investment Strategies & Portfolio Management and Advanced Estate Planning. Ms. Bove owned and operated a life/health

insurance agency from 1981 having spent over three years prior to that as a Field Underwriter for New York Life. Ms. Bové is a member of the Society of Financial Service Professionals (FSP), the Financial Planning Association (FPA), and an associate member of The National Association of Personal Financial Advisors (NAPFA). Our Services Breton Financial, Inc.’s principal business is the provision of financial planning services; the Company generally provides investment advisory as they relate to that principal business. Approximately 50% of the Company’s activities are spent on financial planning matters not involving investment advisory services. Breton Financial, Inc. generally provides investment advice concerning:
• equities securities (exchange listed and securities traded over the counter)
• corporate debt securities
• commercial paper
• bank certificates of deposit
• municipal securities
• variable life insurance
• variable annuities
• mutual fund shares
• U.S. government securities
• options contracts on securities Breton Financial, Inc. does not have or accept discretion over client accounts and cannot be appointed Power of Attorney. Therefore, clients are responsible for the purchase and sale of securities in their accounts, and select the broker dealer to be used. Breton Financial does not receive, retain or otherwise control any of the client’s cash, securities or other assets. As of 12/31/2023, Breton Financial, Inc. had 21 clients, with total assets under management of $125,089,971.96. All assets under management are non-discretionary.