Vista (formed in January 2001) is a fee-only investment advisor based in Portland, Oregon. We specialize in investment and wealth management for clients with more than $3,000,000 million to invest. Vista strives for investment success through a disciplined, repeatable investment philosophy that utilizes index funds to maximize long-term returns by minimizing costs and taxes. We focus on true sources of returns, not on stock-picking or market-timing, by structuring portfolios to benefit from smarter combinations of asset classes. We advise clients on other important areas of their financial lives, including retirement planning, concentrated positions, college savings plans and charitable giving. As each client’s financial “quarterback”, we work closely with their advisors in the areas of insurance, estate planning and taxes to develop a comprehensive wealth management plan to meet their goals. Vista prepares a custom Investment Policy Statement for each client based on their particular situation and manages their money according to this Statement. Clients may always impose restrictions on investing in certain securities or types of securities. As of 12/31/2022, Vista managed $2,090,204,250 discretionary assets. Michael O’Reilly, Douglas Johanson, and Dougal Williams are the principal owners of Vista, with Michael owning 24%, Douglas and Dougal each owning 18% of the firm. John Convery owns 10%, Robert Greenman owns 9%, Lindsey Williams owns 8%, Douglas Post owns 7%, Tana Thomson owns 4%, and Julia Tierney, Andrew Darkins and Jonathon Gannon each own 1% of the firm. MISCELLANEOUS Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. To the extent specifically requested by the client, Vista shall generally provide financial planning and related consulting services regarding non-investment related matters, such as estate planning, tax planning, insurance, etc. Vista will generally provide such consulting services inclusive of its advisory fee set forth at Item 5 below (exceptions may occur based upon assets under management, special projects, etc. for which Vista shall charge a separate planning fee). Please Note: Vista does not serve as an attorney, accountant or insurance agent, and no portion of our services should be construed as legal, accounting or insurance services. Accordingly, Vista does not prepare estate planning documents or tax returns, nor does it sell insurance products. To the extent requested by a client, we may recommend the services of other professionals for certain non-investment implementation purpose. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from Vista and/or its representatives. Please Note: If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. Please Note: Retirement Rollovers-Potential for Conflict of Interest: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Vista recommends that a client roll over their retirement plan assets into an account to be managed by Vista, such a recommendation creates a conflict of interest if Vista will earn new (or increase its current) compensation as a result of the rollover. When acting in such

capacity, Vista serves as a fiduciary under the Employee Retirement Income Security Act (ERISA), or the Internal Revenue Code, or both. No client is under any obligation to rollover retirement plan assets to an account managed by Vista. Vista’s Chief Compliance Officer, John Convery, remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. Client Obligations. In performing its services, Vista shall not be required to verify any information received from the client or from the client’s other professionals, and is expressly authorized to rely thereon. Moreover, each client is advised that it remains his/her/its responsibility to promptly notify Vista if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising Vista’s previous recommendations and/or services. Please Note-Use of Mutual and Exchange Traded Funds: Most mutual funds and exchange traded funds are available directly to the public. Thus, a prospective client can obtain many of the funds that may be utilized by Vista independent of engaging Vista as an investment advisor. However, if a prospective client determines to do so, he/she will not receive the Vista’s initial and ongoing investment advisory services. Please Note-Use of DFA Mutual Funds: Vista utilizes mutual funds issued by Dimensional Fund Advisors (“DFA”). DFA funds are generally only available through registered investment advisers. Thus, if the client was to terminate Vista’s services, and not transition to another adviser who utilizes DFA funds, restrictions regarding additional purchases of, or reallocation among other, DFA funds will generally apply. In addition, Vista representatives may be invited to DFA sponsored events on a gratis or discounted basis-see Item 12. Vista’s Chief Compliance Officer, John Convery, remains available to address any questions that a client or prospective client may have regarding the above. Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Vista) will be profitable or equal any specific performance level(s). Schwab. As discussed below at Item 12, Vista recommends that Schwab serve as the broker- dealer/custodian for client investment advisory accounts. Broker-dealers such as Schwab charge brokerage commissions and/or transaction fees for effecting securities transactions. In addition to Vista’s investment management fee, brokerage commissions and/or transaction fees, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g. management fees and other fund expenses). The fees charged by Schwab, as well as the charges imposed at the mutual fund and exchange traded fund level, are in addition to Vista’s advisory fee referenced in Item 5 below. Portfolio Activity. Vista has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, Vista will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, fund manager tenure, style drift, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when Vista determines that changes to a client’s portfolio are neither necessary nor prudent. Of course, as indicated below, there can be no assurance that investment decisions made by Vista will be profitable or equal any specific performance level(s).