Abbey Street LLC (“Abbey Street”) draws on decades of experience in multiple facets of the financial services industry to provide unique perspectives to our clients. Abbey Street is committed to independence, practiced advice, and creating a positive experience for the clients we serve – providing advisory and consulting services for (1) Corporate Retirement Plans and (2) Private Family & Multigenerational Wealth. Abbey Street, established in 2018, is wholly owned and managed by Daniel Mulheran. As of December 31, 2023, we have $657,215,162 in assets under advisement for Corporate Retirement Plans and $245,005,947 in assets under management with Private Family and Multi-Generational Wealth clients. Corporate Retirement Plan Services Abbey Streets corporate retirement plan consulting may provide the following services: Institutional Investment Consulting – Abbey Street’s 3(21) fiduciary investment consulting services include investment manager search, hiring, monitoring, and replacement, as well as PMA (Professionally Managed Allocation) evaluation. We are independent advocates for our clients. As such, we source all financial solutions from third party providers. We are committed to an objective and disciplined approach to our investment consulting process to ensure that all third- party provider recommendations are deemed suitable for our clients and their participants. Abbey Street executes due diligence on behalf of our clients through an agreed upon services contract that aligns with their investment policy statement (IPS). 3(38) investment management services are available for specific circumstances upon client request and contracting. Fiduciary Consulting & Oversight – Abbey Street assists our clients with fiduciary practices and procedures. This includes investment committee charter drafting and review, Investment Policy Statement (IPS) drafting & review, execution & maintenance of investment committee meeting notes and storage & back-up retention of records. Vendor Management & Oversight – Abbey Street acts as an independent advocate and industry expert on behalf of our clients’ workplace retirement plans. Through our extensive industry experience, we are able to assist our clients in navigating through issues and opportunities that may arise with their third-party vendor(s). This includes, but is not limited to, relationship management, access to leadership or other specialized experts within the vendor organization, negotiation of additional services and/or negotiation of fees and fee structures. Included within this service is Request for Proposal services and processes to identify, select, and transition to a new third party vendor, when necessary. Plan Design Consulting – Abbey Street assists our clients on plan design consulting. This includes preparing benchmarking data for the purposes of evaluating plan provisions and features. We provide projections on behavioral economics and participant outcomes based on individual plan design changes. Incentives and/or outcomes can be designed to align with corporate objectives, philosophies, & core values. Core plan design considerations includes plan(s) type, eligibility features, entry features, automatic features, corporate contributions, etc. Abbey Street and our professionals owe a fiduciary duty to all our clients. We also serve as a fiduciary to advisory clients that are employee benefit plans (such as profit-sharing plans or pension plans) or individual retirement accounts (collectively, our "retirement clients") (IRAs) pursuant to ERISA or the Internal Revenue Code ("IRC"). When acting as a fiduciary to these plans, we are subject to specific duties and obligations under

ERISA and the IRC that include among other things, restrictions concerning certain forms of conflicted compensation. To avoid engaging in prohibited transactions, the firm only charges fees for investment advice (i) about products for which our firm and/or our related persons do not receive any commissions or 12b-1 fees, or (ii) about products for which our firm and/or our related persons receive commissions or 12b-1 fees if such commission and fees are used to offset advisory fees. Abbey Street has extensive background in corporate M&A activities. We consult with our clients on the review and analysis of fiduciary concerns, protected benefits, and financial impact of plan design consolidations through corporate acquisition and/or divestiture actions. Abbey Street also provides a robust suite of participant engagement solutions. These range from both general and custom communications, to group education and individual one-on-one advice. These services are available on a demand basis or through a regularly scheduled Financial Wellness offering. Pontera Abbey Street uses a third-party platform to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows Abbey Street to avoid being considered to have custody of Client funds since Abbey Street does not have direct access to Client log-in credentials to affect trades. Abbey Street is not affiliated with the platform in any way and receive no compensation from them for using their platform. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, Abbey Street will review the current account allocations. When deemed necessary, Abbey Street will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly, and allocation changes will be made as deemed necessary. Private Family & Multi-Generational Wealth Our private family client relationships are designed to be customized to each individual circumstance, aligning our delivery with the core values of the family. We work through discovery and listening sessions to understand thoroughly our clients’ goals and objectives. Planning – Abbey Street engages in its clients’ full personal balance sheet. Our experience with large private and family-owned businesses gives us insight to assist our clients from a unique perspective. Our planning services include wealth creation forecasting, income forecasting, cash flow analysis & budgeting, asset appreciation evaluations, & debt structures. Consulting – Abbey Street is committed to operating as the central party for our clients’ financial affairs. This includes interfacing with legal, tax, risk management, insurance, and other advisors on our clients’ behalf. Portfolio Management – Abbey Street’s private wealth portfolio management draws on the unique advantage of perspective from institutional retirement plans and the decisions of their committees. Our asset allocation, manager selection, and due diligence direct the allocation of client assets among the various investment options that are available. Although Abbey Street does have certain investment strategies that it seeks to execute for all of its clients, Abbey Street tailors its advisory services to the individual needs and preferences of each client. Clients may engage Abbey Street to manage all or a portion of their investment portfolios on a discretionary basis.