Private Harbour Investment Management & Counsel is an independently owned SEC- registered investment advisor. The firm is headquartered in Sagamore Hills, Ohio. The firm was founded in 2008 by Geofrey J. Greenleaf, CFA and James A. Blue, CFA. Mr. Greenleaf and Mr. Blue worked together at a prior firm for nearly 10 years. Mr. Greenleaf retired December 31, 2018 and as of the end of December 2018, Mr. Blue owns 100% of Private Harbour. Private Harbour provides investment management and related services to help improve the quality of our clients’ lives financially and in other ways. Private Harbour provides continuous investment management services for client accounts. Related services can include tax planning, estate planning, financial forecasts and more. Private Harbour also publishes a Quarterly Review which covers a range of relevant economic, financial, tax and investment topics. We send it to clients with the financial reports they receive from us each quarter to keep our clients informed as to our thinking. On an occasional basis, we may also share a copy with prospective clients. At Private Harbour, we blend a variety of different disciplines into our investment advisory business. We primarily use fundamental analysis to determine the merit of potential investments. Valuation is a critical component of that analysis, as we believe that the amount one pays for an investment is directly and significantly related to the ultimate outcome in terms of investment return. In addition to fundamental analysis, we may also use technical analysis in determining our planned entry and exit points for our various investments. Additionally, we do offer financial planning services. All clients and prospects should know that we do not use financial planning as an excuse to sell high-fee products that would compensate Private Harbour for their use in client accounts, like: annuities, insurance or mutual funds with sales loads. Our belief regarding financial planning is that it would be far more difficult to determine how much risk would

be both necessary and appropriate for our clients to accept to meet their goals without having a discussion about financial planning basics at least occasionally. Therefore, as it relates to developing an appropriate investment policy, we believe it is important to help our clients by having such discussions and/or preparing financial forecasts that allow our clients to see whether various asset allocation levels and return projection targets will meet their needs. Further, for clients who wish to review other traditional planning avenues, such as college funding, insurance or annuity analysis and estate planning, we offer these services on a fee for time-incurred basis. Private Harbour is committed to tailoring an investment strategy for growth and security for our clients. We aim to provide the best individualized service and achieve the optimum balance between growing and preserving investments. We are dedicated to establishing and sustaining a personal relationship with each client, fully understanding their unique situation, and helping them realize their financial goals. In order to manage risk, we tailor asset allocation target percentages to individual client situations. Additionally, if there is a need to manage around a unique ownership position for tax or client preference, we will adapt the securities used in portfolio construction around those constraints. In all cases where the uniqueness of customization meets the efficiency of standardization, we strive for a balance that will meet the client's overall return goals while limiting risk to no more than they would prefer (or are willing to tolerate) depending on specific situational factors. Occasionally, clients will request that we not invest in certain types of companies based on social restrictions (e.g., tobacco companies, animal testing companies). We honor those requests. The firm does not participate in any wrap fee programs. As of December 31, 2023, Private Harbour had a total of $169.2 million assets under management on a discretionary basis.