A. Description of the Advisory Firm eCIO, INC. (hereinafter “eCIO”) is a corporation organized in the State of Delaware. eCIO is a registered investment advisor founded in 2019 on the belief that all nonprofits should have access to institutional-quality, customized investment solutions that help them further their missions. We serve these organizations to help them maximize their financial resources by creating an enduring investment program and low costs so that they can carry out their important and inspiring missions. The principal owner is Robin C Roquitte. B. Types of Advisory Services Portfolio Management Services eCIO offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. eCIO creates an Investment Policy Statement for each client, which outlines the client’s current situation and objectives (income, tax levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio that matches each client's specific situation. Portfolio management services include, but are not limited to, the following: • Investment strategy • investment policy Statement • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring eCIO evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. eCIO will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. eCIO seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of eCIO’s economic, investment or other financial interests. To meet its fiduciary obligations, eCIO attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, eCIO’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is eCIO’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent among its clients on a fair and equitable basis over time. Selection of Other Advisers eCIO has discretion to choose third-party investment advisers to manage all or a portion of the client's assets. Before selecting other advisers for clients, eCIO will always ensure those other advisers are properly licensed or registered as an investment adviser. eCIO conducts due diligence on any third-party investment adviser, which may involve one or more of the following: phone calls, meetings and

review of the third-party adviser's performance and investment strategy. eCIO then makes investments with a third-party investment adviser by investing with the third-party adviser. These investments may be allocated either through the third-party adviser's mutual fund, ETF or through a separately managed account managed by such third party adviser on behalf of eCIO's client. eCIO will review the ongoing performance of the third- party adviser as a portion of the client's portfolio. Services Limited to Specific Types of Investments eCIO generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), equities, hedge funds, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds, commodities and non-U.S. securities. eCIO may use other securities as well to help diversify a portfolio when applicable. Non-Advisory Services eCIO offers non-investment advisory services through their eVestech software, which helps companies (including other investment advisers) increase engagement by offering collaboration tools. eCIO may share compensation with unaffiliated entities promoting this service with other companies including registered investment advisers. Third-party advisers that eCIO utilizes may also be clients of eCIO as it pertains to our software. This does not create a conflict of interest as there is no connection between third-party advisers that choose to use our software and eCIO selecting them while managing client accounts. C. Client Tailored Services and Client Imposed Restrictions eCIO will tailor a program for each individual client. eCIO utilizes its proprietary online needs assessment survey to thoroughly understand the client’s specific needs, risk tolerance and objectives. The outcome of the survey is then used as the building blocks to develop their investment policy statement. eCIO may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent eCIO from properly servicing the client account, or if the restrictions would require eCIO to deviate from its standard suite of services, eCIO reserves the right to end the relationship. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. eCIO does not participate in wrap fee programs. E. Assets Under Management eCIO has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 145,994,847.00 $ 0.00 December 2023