Adviser’s Advisory Business Andbanc Advisory LLC (“Andbanc” or the “Adviser”) is an investment adviser that provides discretionary and non-discretionary investment management services to institutional and non-institutional investors. The Adviser is 100 percent owned by Andbanc Wealth Management LLC, a Florida limited liability company that is ultimately owned by Andorra Banc Agricol Reig S.A. Types of Advisory Services Adviser Offers The Adviser provides investment advisory services to its clients through various types of discretionary and non-discretionary accounts in accordance with each client’s investment objectives. Investment activities focus on investments in various kinds of assets and securities in a variety of markets that are intended to fit within the client’s objectives, strategies and risk profile as described by each client and approved by the Adviser. On an occasional basis, the Adviser furnish advice or consulting services to clients on matters not involving securities. Discretionary Portfolios The Adviser offers discretionary management account services that are customized to each client and client risk profile type. Accounts focus on investments in specified and limited kinds of assets and securities, in limited markets, or they can be broad-based across many asset classes and markets. Such accounts are intended to fit within the investor’s objectives, strategies, financial and risk profile as described by each client in accordance with the appropriate advisory agreement between the Adviser and P a g e| 4 the client. For customized portfolios, the strategies utilized can be similar to or vary widely from the core strategies typically utilized by the Adviser for non-customized discretionary portfolios, as further described in Item 8. Clients can place targets on these accounts and can restrict the types of investments made in such accounts. Discretionary authorization will permit us to determine the specific securities and the amount of securities, to be purchased or sold for your account without obtaining your approval prior to each transaction. Discretionary authority is granted by the investment services agreement you sign with the Adviser, a power of attorney, or trading authorization forms. Family Wealth Services - Investment Advisory Consulting The Adviser also provides a variety of non-discretionary consulting services with respect to client assets, including assets not involving securities. Adviser can assist high net worth clients in defining personal or family financial goals and objectives and supply analysis and guidance as to the actions and investment strategies necessary to attain the selected goals and objectives. Such investment advisory consulting services do not include the implementation of investment strategies or the placement of investment orders. All guidance and investment advice is based upon the information provided by the client. Generally, the Adviser offers the client the following services: General: Create or revise the Investment Policy Statement; formulate or review the asset allocation strategy; and investment manager review. Investments: Review of current portfolios and proposals; determine rebalancing needs; inform about reasonable fees and costs for investment products and services; provide consolidated reporting and analysis; ongoing monitoring and re-evaluation of gaps vis-àvis the asset allocation or Investment Policy Statement. Estate Planning & Ownership Issues: Define or review succession plans; discuss incapacity or contingency plans; help establish structures or determine adjustments to existing structures; assist in the development of a network of consultants, lawyers or accountants; periodically

review and re-validate estate plan; and develop a family mission statement. Family Protocol, Governance and Education: Formulate or review family decision-making protocols; assist with family succession matters; facilitate, coordinate and assist in family meetings; or identify and help implement financial education programs for younger generations. Risk Management: Review current risks and risk mitigation strategies; evaluation of life insurance needs; assist with liquidation events and buy/sell agreements; assist in evaluation of property and casualty or disability insurance. All clients sign agreements detailing the services that are being provided and the costs associated with those services. Non-Discretionary Investment Advisory Services P a g e| 5 The Adviser also provides non-discretionary investment advisory services to affluent and high net worth clients in accordance with the appropriate advisory agreement between the Adviser and the client and the client’s objectives, financial situation and risk profile. Each agreement would define the services to be provided and fee agreed. The Adviser also provides recommendations and research regarding investments in securities, investment strategies, and cash equivalents. These services are individually tailored to each client’s needs or risk profile for the account and such advice is provided with respect to accounts at the Adviser’s affiliated banks and broker-dealers or accounts custodied with third parties. Other Services The Adviser from time-to-time acts as a sub-adviser or engage the services of subadvisers to assist or manage client portfolios and related funds. Such activities include but are not limited to the selection and monitoring of client portfolios, as well as asset allocation and continued analysis related to the Adviser’s portfolio management services. Sub-advisers services are contracted by the Adviser at no additional cost to the client. The Adviser engages its affiliates or other related parties to act as a sub-adviser for some clients. Working with sub-advisors that are affiliates of the Adviser can introduce conflicts of interest and additional costs. The Adviser provides additional services for clients from time to time as agreed between the client and the Adviser, in writing, including assistance in obtaining mortgage loans, new custodians, margin and other loans. Types of Investments The Adviser offers advice on equity securities, corporate debt securities, certificates of deposit, mutual fund shares, United States government securities, options contracts on securities, money market funds, real estate investment trusts REITs, structured notes, ETFs, exchange-traded notes, variable annuities, interests in partnerships investing in real estate, proprietary and other products. Wrap Fee Programs The Adviser does not participate in, nor is it currently a sponsor of, any wrap fee programs. Investment Restrictions As described above, the Adviser offers an array of services and clients can select among the services that the client and the Adviser feel are suited for the client. Clients can impose reasonable restrictions on the investment advisory or management of their accounts, including restrictions in connection with particular securities, currencies, credit or other investment features. Clients should be aware that performance of restricted accounts can differ from performance of accounts without such impediments, possibly producing lower overall results and/or higher risks. Regulatory Assets Under Management As of December 31, 2023, Adviser had assets under management of approximately $422,442,617 managed on a discretionary basis. Additionally, the Adviser maintained approximately $432,622,376 in assets under management on a non-discretionary basis. P a g e| 6