FSA (“Advisor”), established in January 1997, provides an Investment Advisory service that involves the use of carefully selected and managed portfolios of mutual funds, stocks, bonds, exchange traded funds and/or other securities. FSA is owned by Financial Security Companies, LLC. The selection of mutual funds to be purchased or sold shall be limited to non-commission mutual funds or transaction fee funds, except where investors have contributed an existing portfolio to the account. Where appropriate, we may also invest in illiquid alternative investments (i.e., real estate and private equity) and/or utilize separate account managers. Clients have the option of restricting or requesting an investment in a certain security or certain types of securities. An independent RIA representative (“IAR”) of FSA will assist the client in selecting an appropriate portfolio of mutual funds, stocks, bonds and/or other securities based on their risk tolerance and time horizon. These accounts are typically managed on a limited discretionary basis. FSA also offers the service of financial planning. We consider this to be a general discipline, which includes but is not limited to, investment management. With financial planning clients, we primarily concern ourselves with overall strategies rather than maintaining individual investment accounts for trading purposes. We most often tend to recommend professional investment managers and work on a team basis. Due to our emphasis on "total" planning, it is our objective to direct the establishment of proper estate planning as well as financial planning. As a matter of course, we recommend the involvement of professionals in whatever related disciplines are required to provide complete services. If a Client’s account is a pension or other employee benefit plan governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), FSA acknowledges it is a fiduciary to the plan under Section 3(38) of ERISA. In providing our investment management services, the sole standard of care imposed upon us is to act with the care, skill, prudence and diligence under the circumstances then prevailing that a prudent man acting in a like capacity

and familiar with such matters would use in the conduct of an enterprise of a like character and with like aims. FSA may furnish advice in areas of, but not limited to, tax planning, investment management, risk management, estate planning, retirement planning, education funding, and other personal financial planning areas required by the client. All of these categories fall under the general discipline of financial planning. As of September 14, 2023, FSA manages $1,313,781,510 in client assets on a discretionary basis and $1,850,477 in client assets on a non-discretionary basis. FSA currently offers two types of advisory programs for new accounts through Charles Schwab & Co., Inc. (“Schwab”), the Managed Advisory Platform (“MAP”) and Institutional Intelligent Portfolio Platform (“IIP”). FSA typically recommends the MAP program for clients seeking an advisory program who have more than $100,000 to invest or the need to retain legacy assets from another firm in their advisory account. For other clients seeking an advisory program, we typically recommend IIP. MAP – In the MAP program, the client grants discretion to FSA to select a portfolio of a combination of mutual funds, ETFs, stock and US Treasuries, based on objectives provided by the Client. Provided we can still construct a portfolio designed to meet Client’s investment goals, the client may request that certain positions transferred into the account are retained. Account features such as bill pay or check writing are available. IIP – The IIP program is available for clients with $5000 or more to invest and offers automatic tax loss harvesting for portfolios over $50,000. In the IIP, the client grants discretion to FSA to select a portfolio of mutual funds or ETFs designed to meet the client’s objectives. However, the program will always include a cash position of at least 4% of the portfolio (or greater if consistent with Client’s objectives). The program also permits FSA to set portfolio parameters for automatic rebalancing. Clients should not use IIP if they want regular withdrawals, to transfer and retain legacy positions from another firm, bill pay, check writing, margin, options, dollar cost averaging, dividend reinvesting, or debit cards.