Advisory Firm Signature Intelligent Portfolios, LLC (“SIP”) is a registered investment advisory firm that was launched in 2015 to provide an automated investing solution to meet the needs of a new generation of investors. SIP is wholly owned by Signature Financial Service Group, LLC, which is owned primarily by a consortium of employees and investors through Reverence Capital Partners Opportunities Fund V, L.P. As of December 31, 2023, SIP manages $13,153,169 of client assets on a discretionary basis. Advisory Services SIP is the client’s investment adviser and primary point of contact. Regular and continuous internet access is required to engage SIP’s services. SIP provides clients with an online investment management solution which includes paperless account opening, paperless funding experience and automation in certain key aspects of the investment process. SIP offers its automated investment solutions through two separate and distinct platforms (further described below). Each platform includes an online questionnaire that helps determine the client’s investment objectives, risk tolerance and goals to ultimately tailor our advisory services to the individual needs of the client. Based on the responses provided by the client, SIP selects the appropriate corresponding model portfolio. SIP will monitor and manage the portfolio on an ongoing basis. SIP offers its automated investment solutions through two separate and distinct platforms 1. Schwab Intelligent Portfolios® is sponsored by Charles Schwab & Co., Inc. (“Schwab”). Schwab provides administration and related services for the Program. Charles Schwab Investment Advisory, Inc. (“CSIA”), an affiliate of Schwab, provides portfolio management services. 2. Fidelity Brokerage Services (“FBS”) Automated Managed Platform (“AMP”) accessible through eMoney’s emX Select platform (or any replacement or successor platform) which is sub-advised by Geode Capital Management, LLC (“GCM”). SIP is independent of and not owned by, affiliated with, sponsored by or supervised by Schwab Intelligent Portfolios®, CSIA, Schwab, Fidelity Brokerage Services, AMP, eMoney or GCM. The CSIA platform is described in detail in the Schwab Intelligent Portfolios® Disclosure Brochure (the “Disclosure Brochure”), which is delivered to clients by CSIA during the online enrollment process. The AMP platform is described in detail in the Geode Capital Management, LLC Form ADV 2A brochure for Fidelity Automated Managed Platform Managed Account Service, which is delivered to clients by FBS during the online enrollment process. SIP can only provide investment advice with respect to those investments currently available on the available platforms. The investments currently available for Schwab Intelligent Portfolios®: Schwab ETFs™ and third-party ETFs are filtered through a carefully selected set of stringent criteria. This ensures that all ETFs chosen for Schwab Intelligent Portfolios deliver both diversity and cost efficiency. These selection criteria, as explained in the Program Disclosure Brochure, pares down more than 1,800 ETFs to the 53 ETFs (subject to change) that could potentially be part of your Schwab Intelligent Portfolios account. The investments currently available for AMP: Fidelity ETFs, Fidelity Mutual

Funds, Blackrock Investments LLC (or one of its affiliates, collectively “BlackRock”), including iShares® ETFs and, to a more limited extent, other third-party ETFs. It is GCM’s expectation that the portfolios will be invested primarily in funds offered by Fidelity and BlackRock. Clients are able to impose reasonable restrictions on investing in certain types of securities. With respect to Schwab Intelligent Portfolios®: Clients will not be allowed to make trades in their account. Clients may request that certain ETFs be excluded from their account, but SIP or Schwab Intelligent Portfolios is not required to accept account restrictions that it deems unreasonable. A request to exclude certain ETFs from a client’s account may result in delays in the management of the account. Accounts with imposed management restrictions may experience different performance from Accounts without restrictions, possibly producing less favorable performance results as a result of such restriction. The client will be notified if the account cannot be managed with the requested investment restrictions. Clients also may request that CSIA use a tax-loss harvesting strategy so that tax losses are generated to offset potential capital gains in their account, subject to meeting minimum balance requirements (currently $50,000, which is subject to change). With respect to AMP: Clients are entitled to impose reasonable restrictions on the management of their Accounts. Account restrictions may be requested, or changed, by the Client by contacting SIP. SIP will relay any such request to GCM promptly in writing (including through an online platform, electronic mail or other electronic means). Any proposed restriction, or any change in a pre-existing restriction, is subject to the receipt and acceptance by GCM. A restriction request may result in delays in the management of an Account, and if an Account cannot be managed with the requested investment restriction, GCM will notify SIP, who shall then notify the Client. Such a restriction may include prohibitions with respect to the purchase of a particular fund or funds, provided such restriction is not inconsistent with GCM stated investment strategy or philosophy or is not fundamentally inconsistent with the nature or operation of the Service. If a restriction is accepted, assets will be invested in a manner that is appropriate given the restriction. Accounts with imposed management restrictions may experience different performance from Accounts without restrictions, possibly producing less favorable performance results as a result of such restriction. Restrictions will be reevaluated on an as-needed basis, including but not limited to as a result of changes in the underlying funds or Models, which may result in the denial or modification of the restriction that was previously accepted. If a Client makes any changes to the Profile selected for his or her Account that causes a change to the corresponding Model selected for such Account while such Account is subject to a restriction and SIP or the Client would like that restriction to remain in place after any such change, a new request must be submitted by the client and/or SIP to GCM LLC in writing (including through an online platform, electronic mail or other electronic means).