A EFP Advisors Inc. (“EFP”) is a corporation incorporated in the state of Mississippi since February 8th, 2012. We provide fee-only investment advisory and financial planning services. The principal owners of the firm are Douglas M. McDaniel & Christopher J. Register. B, C EFP helps Clients coordinate and prioritize their financial lives with all aspects of their life goals. Integrating investments across all individual retirement accounts, taxable accounts, and employee retirement accounts is crucial to the process. Client input and involvement are critical parts of the financial planning process and implementation of investment decisions. After Client assets are invested, we continuously monitor their investments and provide advice related to ongoing financial and investment needs. As part of our wealth advisory [wealth planning] service, we will provide clients with on-going financial planning services along with asset management. This service is designed to assist clients in meeting their financial goals through the use of a financial plan and/or periodic updates and reviews along with management of the client’s assets. EFP offers initial financial planning services to Clients under a separate Financial Planning Agreement. The agreement details the scope of work to be completed. Financial planning services are billed on an hourly or fixed fee basis (see Item 5, below). When the scope of work outlined in the Financial Planning Agreement is completed, this agreement is terminated. After completion of an initial financial planning engagement, Clients may elect to enter into a retainer agreement for ongoing wealth management services. A retainer Wealth Management Agreement provides for the following services: Financial Planning: EFP is available to provide ongoing guidance on general financial matters. When appropriate, EFP may refer a Client to other outside professionals for more specific expertise. Portfolio Management: EFP will analyze Client financial goals and objectives. EFP will design the investment portfolio(s) for the Client and the Investment Policy Statement will define the portfolio’s specific parameters. EFP provides Pension Consulting services to plan sponsors of qualified employee benefit plans. In this capacity we provide the following services: Providing enrollment services to the plan sponsor’s plan participants Provide educational information on the plan’s investment options to participants Provide investment analysis of the plan’s options Other services as reasonably requested by the plan sponsor EFP acts in the capacity of a 3(21) fiduciary and does not have any discretion over the management of the assets of the plan. Part 2A - 5 We generally

have discretionary authority over Client funds. Discretionary authority means we have the authority to determine, without obtaining specific Client consent, the securities bought or sold and the amount of securities bought or sold. The only restrictions on the above discretionary authority are those set by the Client on a case by case basis. Discretionary authority allows us to act on behalf of the Client in most matters necessary or incidental to the handling of the account, including monitoring certain assets without the Client’s prior approval. Advice and services are tailored to the stated objectives of the Client(s). EFP discuss with the Client in detail critically important information such as the Client’s risk tolerance, time horizon, and projected future needs, to formulate an investment policy. This policy guides us in objectively and suitably managing the Client’s account. EFP meets with Clients as needed to review portfolio performance, discuss current issues, and re-assess goals and plans. Our approach uses broadly diversified portfolios and a systematic strategy to manage investments. Our investment recommendations generally include mutual funds, exchange-traded funds, and exchange-listed equity securities. We may also recommend certificates of deposit, municipal securities, U.S. government securities and money market funds when suitable and appropriate for a Client’s particular situation. If Clients hold other types of investments, we will advise them on those investments also. Clients may impose restrictions on investing in certain securities or types of securities. We consider such restrictions when preparing the Investment Policy Statement. If the restrictions prevent EFP from properly servicing the client account, or if the restrictions would require EFP to deviate from its standard suite of services, EFP reserves the right to end the relationship. EFP may direct clients to one or more sub-advisors; EFP will split its fee with the sub-advisors to which it directs clients. This relationship will be disclosed in each contract between EFP and each of the sub-advisors. The fees shared will not exceed any limit imposed by any regulatory agency. Before selecting other advisors for clients, EFP will always ensure those other advisors are properly licensed or registered as investment advisor. See Item 8 for a description of our investment strategy. We follow strict fiduciary standards, putting our Clients’ interests before our own and seeking to avoid conflicts of interest with our Clients. D We do not manage Wrap Fee programs. E As of December 2022, we manage $ 228,013,735.00 of client assets on a discretionary basis. We do not currently manage assets on a non-discretionary basis. Part 2A - 6