McQueen Financial Advisors II, Inc. (“MFA”) DBA Integrity Investment Management MFA is an SEC-registered investment advisory firm providing banks, credit unions, and individuals with investment portfolio management services. MFA was established May 17, 1999 by Charles N. McQueen, Founder, President and Owner. Our services include but are not limited to: A. Investment Advisory Services 1. Identifying and analyzing credit worthy investment opportunities to meet financial institution’s objectives. 2. Analyzing the financial institution to develop a desired portfolio structure. 3. Facilitating transaction and providing monthly, quarterly and annual updates. 4. Focusing on the financial institution’s current income and total return with our policy of safety of principal. 5. Providing continual monitoring of investments. 6. Developing an investment strategy in relation to Asset/Liability Management. B. Trust Department Portfolio Services We work with trust departments to create a personalized fixed income investment portfolio to fit their unique needs. We are dedicated to providing the best fixed income services including Total Return Taxable and Non-Taxable, Income Generation, and Cash Management. C. Supplemental Investment Portfolio Services We work with credit unions to create a personalized investment portfolio to fit their unique needs. We are dedicated to providing the best portfolio management services including Total Return Taxable and Non-Taxable, Income Generation, and Cash Management. D. Individual Account Advisory Services We work with our clients’ to determine their investment objectives and risk tolerance. We create a customized portfolio and present unique advice that is in the best interest of our clients. E. Consulting Services We specialize in working with financial institutions. Our key business is to understand our client, their needs, their marketplace, and their risk positions so that they can spend more time focusing

on other income enhancing areas of their institution. Therefore, we are able to consult on the following: 1. Balance Sheet Restructuring 2. Income Enhancement 3. Strategic Planning 4. Loan Securitization 5. Capital Adequacy Review & Planning 6. Branch Sale/Purchase Analysis 7. Financial Institution Sale/Purchase Analysis We tailor our advisory services to the individual needs of our clients. We work with our clients to develop an investment policy that outlines the types and amounts of securities allowed in their portfolio. The clients may impose restrictions on investing in certain securities or types of securities. We manage client assets on both a discretionary and non-discretionary basis. As of December 31, 2023, the assets under management are: Discretionary: $ 86,000,726 Non-Discretionary: $ 11,529,173,978 Written Acknowledgement of Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries 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 way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest.