Carter, Terry & Company, Inc. (“Carter Terry”, we, us, our, ours), located in Atlanta, Georgia, is a Corporation organized under the laws of the State of Georgia, and registered in other states as an investment advisor and broker/dealer. Carter Terry was founded in 1985 and is owned by First Atlanta Financial Services, Inc. Belfield H. Carter, Timothy J. Terry and Kristin W. Montet are owners of First Atlanta Financial Services, Inc. Carter Terry is managed by Timothy J. Terry, Chief Executive Officer, and Belfield H. Carter, Chairman. Carter Terry is registered as an investment adviser with the State of Georgia and is also a broker/dealer registered with the Financial Industry Regulatory Authority (“FINRA"), https://www.adviserinfo.sec.gov, CRD#16365. Our Investment Advisory Representatives (“IARs”) may individually manage the investment assets of their clients as well as recommend independent third-party investment managers to manage all or a portion of client investment assets. Our IARs work with you to identify your investment goals, objectives, and risk tolerances in order to structure an investment account and an investment strategy that is consistent with your stated investment objectives. Portfolio Management Services The investment accounts managed by our IARs may consist of stocks, bonds, mutual funds, and exchange-traded funds (“ETFs”). Your investment accounts and the investment strategies utilized are based upon your specific individual investment objectives, goals and risk tolerances. Our IARs may periodically adjust your account (a process referred to as “rebalancing”) to help ensure that your investment account remains consistent with your objectives, goals, and risk tolerances. Our IARs rely upon you to notify them of any changes in your objectives, goals and risk tolerances, as well as any other material changes in your personal circumstances (such as your employment, marital status, financial condition, etc.). These changes may require changes in your investment account and the investment strategies employed. 6 | P a g e Our IARs may manage your investment account on a discretionary or non-discretionary basis (meaning that your IAR must obtain your specific prior approval before a transaction can be effected for your investment account. The scope of the discretionary authority be limited to you grant one of our IARs to select specific investments for your account and decide how to allocate your assets among those investments. Your IAR may decide if and when to buy, hold, or sell those investments. You may impose any reasonable restrictions upon the manner in which your IAR manages your investment account. For example, you may restrict the management of your account to certain types of investment products or investment strategies. You need to inform you IAR if there are specific industries or companies you do not wish to invest in. Wrap Fee Program Carter Terry offers

a wrap fee program through which we provide portfolio management services as outlined above, for one fee. The wrap fee includes our advisory fee, custodial and brokerage fees. This program is more fully described in our Carter Terry & Company, Inc. Wrap Fee Program Brochure. This brochure will be provided to clients utilizing our wrap fee program and free of charge to any client upon request. A wrap fee program may cost you more or less than purchasing these services separately, depending on the amount of trading activity in your account, the value of services that are provided to you under this program, and other factors. Therefore, IARs have a financial incentive to recommend the wrap fee program over other programs or services. Generally, wrap programs may result in higher overall costs to you in accounts that experience little trading activity. Please review the costs carefully with your IAR to determine whether our wrap fee program is appropriate for your circumstances. We do not manage wrap accounts differently from how we manage non-wrap accounts. Assets Under Management As of December 31, 2023, we managed approximately $ 114.4 million in client assets were managed on a discretionary and non-discretionary basis, where our clients made the investment decisions based upon our recommendations. 7 | P a g e Third Party Investment Advisory Services We may recommend that all or a portion of your portfolio be allocated to unaffiliated third party investment managers that are available through our custodian RBC Capital Markets, LLC (“RBC”). We have entered into agreements with various third-party investment managers to provide investment management services for our clients. Your IAR will use the information you have provided about your investment objectives, goals, and risk tolerances, as well as other relevant information, to identify a third-party investment manager(s) whose investment strategies appear appropriate for you. Some of the other relevant information considered in recommending a third-party investment manager include (but are not limited to): your preference for certain types of investments or investment strategies; your investment time horizon; the size and composition of your investment account; your tax considerations; your IAR’s prior experience with and preferences for particular investment managers; the fees charged by the investment manager; and the registration, experience and capabilities of the investment manager. Our duties will include assisting you in choosing investment objectives and appropriate third party asset managers, setting restrictions or limitations on the management of the account, explaining portfolio strategies and transactions and answering your questions. Seminars Advisory representatives of the firm conduct client seminars where the advisor and/or guest speakers will address a range of topics which may include discussions of economic conditions, financial planning or the management of particular investments in which clients may be invested.