ADVISORY SERVICES AND FEES Heritage Investment Group, Inc. is a privately owned, fee-only SEC Registered Investment Adviser providing investment and wealth management solutions to individuals, high net worth investors, family trusts, charitable foundations, and qualified plans. Heritage was founded in 1993 to serve the portfolio management needs of the clients of a well-established estate planning law firm in South Florida. It has since grown to serve individual and institutional clients throughout the country. We have experts in the areas of portfolio management, tax management, and advanced wealth transfer planning. Our professionals work as a team to create a unified wealth management experience. This allows you to achieve your goals by alleviating the complexities of investing and by relying upon Heritage to act as your financial director. Heritage works for you on a fee-only basis. Unlike brokerage firms, we have no commission incentive, nor any other compensation arrangements which could compromise our objectivity. As a fiduciary, we are legally required to act in your best interest at all times. The firm is owned by its principals, employees, family members or trusts for the benefit of principal family members. Heritage Owners: 1-Frederick R. MacLean, Jr. Revocable Trust; Frederick R. MacLean, Jr. and Laura MacLean- Co-Trustees 2-MacLean Family Trust f/b/o Frederick R. MacLean III, Laura MacLean-Trustee 3-MacLean Family Trust f/b/o Madeline R. MacLean, Laura MacLean-Trustee 4-The Taylor Family Revocable Trust, Samuel Hardy Taylor and Heide R. Taylor-Co-Trustees 5-Timothy Glenn Slattery Revocable Trust, Timothy Glenn Slattery and Jenny Slattery-Co- Trustees 6-Robert Ian McCarver and Tracy M. McCarver-Tenants by the Entirety 7-Teas Revocable Tenancy by the Entirety Trust dated 09/27/2011, David and Courtney Teas, Co-Trustees In addition to our SEC registration, we have filed our application to notice file as an investment adviser with the State of Florida Office of Financial Regulation, in order to provide the investment advisory products and services described within this document. We are also notice filed with the States of Alabama, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Iowa, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Wisconsin. As of 12/31/2022, Heritage Investment Group, Inc. manages $1,502,109,626 of client assets on a discretionary basis serving approximately 818 clients. Heritage Investment Group, Inc., (“Heritage”) offers the following separate and distinct investment advisory services to clients. 1. DISCRETIONARY INVESTMENT MANAGEMENT SERVICES: Heritage provides discretionary professional investment management of a client’s individual account(s) and can recommend any number of securities which meet your needs, risk tolerance, objectives, net worth, income, and other relevant factors. Primarily, client portfolios consist of select, Exchange Traded Funds (“ETFs”) and institutional mutual funds (no-load) with various objectives. In addition, if in line with a client’s risk tolerance and investment objective, we may recommend alternative

investments (e.g., hedge funds, private equity, REITs, etc.). Our service (at a minimum) provides for an annual re-allocation of assets and counseling with you. To enhance client asset security, Heritage will not act as a qualified custodian holding your funds. Please note that accounts with margin will be charged margin interest by their custodian when clients utilize it for overdraft protection and/or when there is a trade date/settlement mismatch for certain assets. As part of its investment management philosophy, Heritage does not utilize leverage or borrowing as a tool to manage our client accounts. Additionally, although we do not use lines of credit secured by your securities portfolio in our investment process, upon request, we can assist you in negotiating rates with lender(s), should the need arise. 2. MISCELLANEOUS SERVICES It should be noted that, in prior years, Heritage offered 1) Non-Discretionary Investment Consulting and Performance Measurement and 2) acted as a Solicitor for several other Registered Investment Advisers located around the country. Heritage no longer offers these services to new clients: however, by agreement and prior to elimination, some existing clients remain with Heritage under these services. 3. TRUST PROTECTOR SERVICES As part of our wealth management process, we offer trust protector services through our affiliate, Heritage Trust Protector Services, LLC (“HTPS”). A trust protector is an entity appointed in a trust document who has certain powers within the trust to help ensure the grantor’s intent is carried out and that the best interests of beneficiaries are maintained. One of the primary functions would be to remove and replace a trustee. Please see Item 10 for more detailed information. IRA Rollover For the purpose of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02"), when applicable, we are providing the following acknowledgment to clients. When we provide investment advice to clients regarding their retirement plan account or individual retirement account, we are 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 way we make money creates some conflicts with client interests. We operate under an exemption that requires we act in the clients’ best interest and not put our or our employees’ interests ahead of the clients. Under this exemption, we must:
• meet a professional standard of care when making investment recommendations (give prudent advice),
• never put our or our financial interests ahead of the clients when making recommendations (give loyal advice),
• avoid making misleading statements about conflict of interests, fees, and investments,
• follow policies and procedures designed to ensure that our and our employees give advice that is in the clients’ best interest,
• charge no more than is reasonable for services, and
• give the clients basic information about conflict of interests. We benefit financially from the rollover of the clients’ assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees.