A. Firm Description SSB&T WM was organized as a Limited Liability Corporation pursuant to the laws under the Texas Business Organizations Code. SSB&T WM is 100% owned by Security State Bank & Trust. SSB&T WM was formed on July 10, 2023. The Firm is registered with the State of Texas (“TSSB”) and is a notice filer with the various state jurisdiction in which it conducts business as a Registered Investment Advisor. B. Types of Advisory Services SSB&T WM is a fee-only financial firm that provides investment management services and wealth counsel to individuals, families, trusts, estates, charitable organizations, small business owners, corporate cash management accounts, foundations, endowments, retirement, 401k and profit-sharing plans. SSB&T WM provides its clients with investment management services through which clients receive portfolios of carefully selected investments. The Firm offers clients investment portfolios based on their cash flow situation, tax considerations, tolerance for risk and time horizon. Depending upon the size and goals of each client’s portfolio, the Firm will invest client assets in bond accounts, mutual funds and exchange traded funds (ETFs). SSB&T WM offers wealth planning services, which address some or many aspects of the client’s financial situation. SSB&T WM works with clients to determine their financial goals and objectives and develops planning strategies for the client to most effectively utilize their financial resources to achieve short and long-term financial objectives. Information the Firm considers includes items such as a client’s current financial status, financial goals, tax bracket, family/business dynamics, and attitudes towards risk. SSB&T WM also offers Financial Planning services. The firm will charge a flat fee for financial plans. The fee will vary based on the complexity of the plan being prepared. SSB&T WM does not provide tax advice for our clients. Clients should consult with their accountant or other tax adviser regarding tax filings and/or estimated payments.

Additionally, SSB&T WM does not provide legal advice or prepare legal documents. However, the Firm works closely with our clients’ estate planning attorneys and other advisors as necessary to coordinate the client’s estate plan with the managed assets. (e.g. beneficiary designations and titling of accounts) SSB&T WM offers advisory services on a discretionary and non/discretionary basis. SSB&T WM is a fiduciary and is required to always act in a client’s best interest. SSB&T WM shall be responsible for advising you about the selection and allocation of asset classes and identifying specific investments within each asset class. SSB&T WM will monitor the performance of all selected asset classes and specific investments to achieve a long-term, real rate of return, (i.e., the return less income taxes, expenses and inflation) primarily through capital appreciation. Current income is of secondary concern. SUB ADVISORS SSB&T WM has contracted with Buckingham Strategic Partners, LLC ("BSP") for services including trade processing, collection of management fees, record maintenance, report preparation, marketing assistance, and research. SSB&T WM has also contracted with BSP for certain sub-advisory services. In certain instances, SSB&T WM pays a fee for these BSP services based on management fees paid to SSB&T WM on accounts that use BSP services. The fee paid by SSB&T WM to BSP varies based on the total client assets administered and/or sub- advised by BSP through SSB&T WM. These fees will not be separately charged to advisory clients and are included within the advisory fees charged to clients. There may be other fees SSB&T WM clients may pay to BSP directly under separate fee agreements. C. Client Tailored Services and Client Imposed Restrictions SSB&T WM will not impose any ESG restrictions or obligations on investor portfolios. D. Wrap Fee Programs SSB&T WM does not sponsor or manage a wrap fee program. E. Amounts of Assets Under Management As of December 31, 2023 SSB&T had $35,407,2223 in assets under management, all of which are managed on a discretionary basis.