NPW Inc. is an investment adviser registered with the United States Securities and Exchange Commission (“SEC”) and is a corporation organized under the laws of Canada. NPW Inc. is owned by the Nour Family Trust with Elie Nour serving as Trustee. Mr. Nour is also the Chief Executive Officer and Chier Compliance Officer of NPW Inc. We offer investment advisory services directly to you. In providing investment advice to you and all of our clients, we consider:  your financial situation,  risk tolerance,  investment horizon,  liquidity needs,  tax considerations,  financial goals,  income (current and potential),  portfolio size,  net worth,  investment objectives, and  any other issues you disclose to us that are important to your state of affairs. You should notify us promptly if there are any changes in your financial situation or investment objectives. You should also notify us if you wish to impose any reasonable restrictions upon the management of your account. NPW Inc. advisory services involve providing you with continuous and ongoing supervision over your account(s). You must appoint our firm as your investment adviser of record by executing an advisory agreement for your account(s). The account(s) consist only of separate account(s) held by qualified custodian(s) under your name. The qualified custodians maintain physical custody of all funds and securities of the account(s), and you retain all rights of ownership (e.g., right to withdraw securities or cash, exercise or delegate proxy voting and receive transaction confirmations) of the account(s). The account(s) is(are) managed by us based on your financial situation, investment objectives and risk tolerance. We actively monitor the account(s) and provide advice regarding buying, selling, reinvesting or holding securities, cash or other investments of the account(s). We will contact you at least annually to discuss any changes or updates regarding your financial situation, risk tolerance or investment objectives. We are always reasonably available to consult with you relative to the status of your account(s). You have the ability to impose reasonable restrictions on the management of your account(s), including the ability to instruct us not to purchase certain securities. Securities and sector allocations are generally recommended or selected (1) with the aid of fundamental analysis and the review of independent research, news sources and rating services, or (2) after considering the factors described above, as well as new account questionnaires completed by clients and NPW Inc.’s discussions with clients. Assets are typically managed to an allocation model, but the exact nature of the management is dependent on the client’s specific needs. NPW Inc. provides investment advice on the following types of investments:  Stocks  Bonds  US Mutual Funds  Exchange Traded Funds (ETFs) Although we generally provide advice only on the products previously listed, we reserve the right to offer advice on any investment product that may be suitable for each client’s specific circumstances, needs, goals and objectives. Elite Platform With the Elite Platform the client hereby retains and appoints NPW as a portfolio manager with full discretionary investment authority for purposes of directing and managing the investments and re-investment of client assets held in one or more investment accounts identified as a managed account (each an “Account”, and together, the “Accounts”). For greater certainty, the client may request that any future accounts opened by the client with NPW, including option trading accounts and other accounts and plans transferred in by the client from third-party entities, be governed

by the same Managed Account Agreement. In a managed Elite account, investment decisions will be made by your Portfolio Manager on a discretionary basis. He/she will not make any recommendations and you will not have any decisions to make as your account will be managed based on Know Your Client, which is incorporated into your Investment Policy Statement (“IPS”). The management fee varies according to the assets under management, as discussed, and pre-established with your Portfolio Manager and outlined in the Managed Account Agreement “Agreement”). The fee rate and billing frequency applicable to the account(s) are detailed in the Agreement. All investment decisions shall be governed by the content of the IPS and Agreement as updated from time to time. NPW shall ensure that all transactions are suitable and completed on a best execution basis. Prestige Platform The Prestige Platform offers superior personalized service and broad investment choices vital in achieving your financial goals. Advisors who provide fee-based services tend to focus holistically on wealth management by providing research and guidance on associated factors such as tax efficiency, estate planning, education and retirement planning, insurance needs and implementation strategies. This program features the cost of service and advice as a flexible and transparent asset-based fee. Accounts in this program can hold a wide range of investment products. This flexibility allows for a more customized investment solution for each client. These accounts are non- discretionary accounts, which means that approval must be obtained from the client or person(s) authorized to provide instructions on the account before transaction execution. A fee-based account is a transparent way of paying your financial advisor. The fee is charged based on the market value of the assets being managed, unlike transactional accounts, where commissions are charged for every buy and sell transaction. When you open a fee-based account, you sign a fee-based agreement that establishes the accounts involved, the agreed- upon fee, how the fee is calculated and when the fee will be charged. Transparency, objectivity and accountability are the hallmarks of the Prestige Investment Program. The account administration and trading, as well as the investment advice and financial planning services of your NPW advisor, are bundled into a flexible and transparent asset-based fee. The Prestige Platform fee reflects the ongoing investment advice and service you receive from your NPW advisor. It is based on the value of expertise and not on the number of transactions made, thereby ensuring complete objectivity in the decision-making process. In consultation with your advisor, you will agree on a program fee based on your portfolio's market value. This fee represents the appropriate level of service your advisor will deliver to meet your investment needs.
• Trailer-paying funds, such as deferred sales charge (DSC), low-load (LL) and front-end (FE), will be excluded from the fee calculation within the Prestige Platform.
• New purchases of trailer-paying funds (including DSC) will not be made where an F- Class equivalent is available.
• The Prestige Platform calculates fees daily based on the plan’s asset value. The fee is accrued and billed based on the plan agreement (monthly, quarterly or annually). All fees will be calculated in the currency of the incurring account and debited from the said account.
• Minimum investable assets of $100,000 to qualify for this program. Assets Under Management As of December 31, 2023, the Adviser manages approximately $70,000 of client assets, all on a discretionary basis.