Hoge Financial Services, LLC DBA H Financial Management was originally formed in Pennsylvania in October 1981. It is principally owned by Hoge Financial Holdings, LLC. That entity is principally owned by Hoge Legacy, LLC, which is principally owned by Garrett S. Hoge. H Financial Management is registered with the SEC and is notice filed in the states of Pennsylvania, West Virginia, Ohio, New York, Florida, North Carolina, Texas, Louisiana, New Hampshire, Virginia, South Carolina, and California. H Financial has 1,504 advisory accounts with $460,190,214 in Assets under Management as of 12/31/2023 (1,284 discretionary accounts totaling $393,274,790, 220 non-discretionary accounts totaling $66,915,424). The client can engage HFM to provide discretionary and/or non-discretionary investment advisory services to individuals, families, and businesses. Before engaging HFM to provide investment advisory services, clients are required to enter into an agreement with HFM setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the fees that a client will incur (see fee schedule at Item 5 below). To the extent requested by an individual client, HFM will generally provide financial planning and consulting services. In the event that the client requires extraordinary planning or consultation services HFM may determine to charge a client for such additional services pursuant to a stand-alone written agreement (see Limitations below). Before providing investment advisory services, HFM will ascertain the client’s investment objective(s). HFM will then allocate (or recommend that the client allocate) the portfolio consistent with the designated investment objective(s). Miscellaneous Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. To the extent requested by a client, HFM will usually provide financial planning and related consulting services regarding non-investment related matters, such as estate planning, tax planning, insurance, etc. HFM will generally provide such consulting services inclusive of its advisory fee set forth at Item 5 below, but may, depending upon the amount of assets under management and/or scope of the services to be provided, determine to charge a mutually agreed upon fee per the terms and conditions of a separate written agreement. Please Note. HFM believes that it is important for the client to address financial planning issues on an ongoing basis. HFM’s advisory fee, as set forth at Item 5 below, will remain the same regardless of whether or not the client determines to address financial planning issues with HFM. Please Also Note: We do not serve as an attorney or accountant, and no portion of our services should be construed as same. Accordingly, we do not prepare estate planning documents or tax returns. To the extent requested by a client, we may recommend the services of other professionals for certain non- investment implementation purpose (i.e. attorneys, accountants, insurance, etc.), including certain HFM’s representatives, in their separate individual capacities as representative of Triad Advisors, LLC (“Triad”), an SEC registered and FINRA member broker-dealer, and as licensed insurance agents. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from HFM and/or its representatives. Please Note: If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. At all times, the engaged licensed professional[s] (i.e. attorney, accountant, insurance agent, etc.), and not HFM, shall be responsible for the quality and competency of the services provided. Please Also Note-Conflict of Interest: The recommendation by HFM that a client purchase a securities or insurance commission product from HFM’s representatives in their separate individual capacities as representatives of Triad and/or as an insurance agents, presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend investment products based on commissions to be received, rather than on a particular client’s need. No client is under any obligation to purchase any securities or insurance commission products from HFM’s representatives. Clients are reminded that they may purchase securities and insurance products recommended by HFM through other, non-affiliated broker-dealers and/or insurance agencies. HFM’s Chief Compliance Officer, Kent D. Aloia, CFP® AIF®, remains available to address any questions that a client or prospective client may have regarding the above conflict of interest. Participant Directed Retirement Plans. HFM may also provide investment advisory and consulting services to participant directed retirement plans per the terms and conditions of a written agreement between HFM and the plan. For such engagements, HFM shall assist the Plan sponsor with the selection of an investment platform from which Plan participants shall make their respective investment choices (which may include investment strategies devised and managed by HFM), and, to the extent engaged to do so, may also provide corresponding education to assist the participants with their decision-making process. Please Note: Retirement Rollovers-Potential for Conflict of Interest: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If HFM recommends that a client roll over their retirement plan assets into an account to be managed by HFM, such a recommendation creates a conflict of interest if HFM will earn new (or increase its current) compensation as a result of the rollover. If HFM provides a recommendation as to whether a client should engage in a rollover or not (whether it is from an employer’s plan or an existing IRA), HFM is acting as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. No client is under any obligation to roll over retirement plan assets to an account managed by HFM, whether it is from an employer’s plan or an existing IRA. HFM’s Chief Compliance Officer, Kent Aloia, remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. Please Note: Non-Discretionary Service Limitations. Clients that engage HFM on a non- discretionary investment advisory basis must be willing to accept that HFM cannot affect any account transactions without obtaining prior consent to any such transaction(s) from the client. Thus, in the event that HFM would like to make a transaction for a client's account (including in the event of an individual holding or general market correction), and the client is unavailable, HFM will be unable to effect the account transaction(s) without first obtaining the client’s consent. Please Note-Use of Mutual Funds: Most mutual funds are available directly to the public. Thus, a prospective client can obtain many of the mutual funds that may be recommended and/or utilized by HFM independent of engaging HFM as an investment adviser. However, if a prospective client determines to do so, he/she will not receive HFM’s initial and ongoing investment advisory services. Separate Fees: All mutual funds (and exchange traded funds) impose fees at the fund level (e.g. management fees and other fund expenses). All mutual fund and exchange traded fund fees are separate from, and in addition to, HFM’s wealth management fee as described at Item 5 below. HFM’s Chief Compliance Officer, Kent D. Aloia, CFP® AIF®, remains available to address any questions that a client or prospective client may have regarding the above. Individual Equity Portfolios. HFM primarily purchases mutual funds and exchange traded funds for its client accounts. In limited situations, HFM, upon client consent, may determine to purchase individual equites for certain client portfolios in conjunction with the consulting services provided by William Blair, a nationally recognized investment management firm. Independent Managers. The HFM may allocate a portion of the client’s investment assets among unaffiliated independent investment managers in accordance with the client’s designated investment objective(s). In such situations, the Independent Manager[s] shall have day-to- day responsibility for the active discretionary management of the allocated assets. HFM shall continue to render investment supervisory services to the client relative to the ongoing monitoring and review of account performance, asset allocation and client investment objectives. Factors that HFM shall consider in recommending Independent Manager[s] include the client’s designated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. Please Note. The investment management fee charged by the Independent Manager[s] is separate from, and in addition to, HFM’s investment advisory fee disclosed at Item 5 below. ANY QUESTIONS: HFM’s Chief Compliance Officer, Kent Aloia, remains available to address any questions that a client or prospective client may

have regarding the allocation of account assets to an Independent Manager(s), including the specific additional fee to be charged by such Independent Manager(s). Portfolio Activity. HFM has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, HFM will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when HFM determines that changes to a client’s portfolio are neither necessary nor prudent. Of course, as indicated below, there can be no assurance that investment decisions made by HFM will be profitable or equal any specific performance level(s). Clients are still subject to the fees described in Item 5 below, even during periods of account inactivity. Business Consulting Services. HFM can also be engaged to provide business-related consulting services per the terms and conditions of a written agreement between HFM and the client. The fee, which is negotiable, shall depend upon the scope of the services required and the professional(s) providing the service(s). Custodian Charges-Additional Fees. As discussed below at Item 12 below, when requested to recommend a broker-dealer/custodian for client accounts, HFM generally recommends that Fidelity serve as the broker-dealer/custodian for client investment management assets. Broker- dealers such as Fidelity charge brokerage commissions, transaction, and/or other type fees for effecting certain types of securities transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and mark-downs charged for fixed income transactions, etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the broker-dealer/custodian. While certain custodians, including Fidelity, generally (with the potential exception for large orders) do not currently charge fees on individual equity transactions (including ETFs), others do. Please Note: there can be no assurance that Fidelity will not change their transaction fee pricing in the future. The above fees/charges are in addition to HFM’s investment advisory fee at Item 5 below. HFM does not receive any portion of these fees/charges. ANY QUESTIONS: HFM’s Chief Compliance Officer, Kent Aloia, remains available to address any questions that a client or prospective client may have regarding the above. Cash Sweep Accounts. Certain account custodians can require that cash proceeds from account transactions or new deposits, be swept to and/or initially maintained in a specific custodian designated sweep account. The yield on the sweep account will generally be lower than those available for other money market accounts. When this occurs, to help mitigate the corresponding yield dispersion, HFM shall (usually within 30 days thereafter) generally (with exceptions) purchase a higher yielding money market fund available on the custodian’s platform, unless HFM reasonably anticipates that it will utilize the cash proceeds during the subsequent 30- day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to the amount of dispersion between the sweep account and a money market fund, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. Please Note: The above does not apply to the cash component maintained within a HFM actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any HFM unmanaged accounts. ANY QUESTIONS: HFM’s Chief Compliance Officer, Kent Aloia, remains available to address any questions that a client or prospective client may have regarding the above. Please Note: Cash Positions. HFM continues to treat cash as an asset class. As such, unless determined to the contrary by HFM, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating HFM’s advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), HFM may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, HFM’s advisory fee could exceed the interest paid by the client’s money market fund. ANY QUESTIONS: HFM’s Chief Compliance Officer, Kent Aloia, remains available to address any questions that a client or prospective may have regarding the above fee billing practice. EMoney. In conjunction with the services provided by EMoney, HFM may also provide access to account aggregation services, which can incorporate all of the client’s investment assets, including those investment assets that are not part of the assets that we manage (the “Excluded Assets”). The client and/or his/her/its other advisers that maintain trading authority, and not us, shall be exclusively responsible for the investment performance of the Excluded Assets. In addition, EMoney will also provide access to other types of information, including financial planning concepts, which should not, in any manner whatsoever, be construed as services, advice or recommendations provided by HFM. HFM does not provide investment management, monitoring or implementation services for the Excluded Assets. The client may engage HFM to provide investment management services for the Excluded Assets pursuant to the terms and conditions of the Investment Advisory Agreement between HFM and the client. Fidelity Charitable Gift Fund. For those clients that desire to make a charitable contribution in excess of $250,000, HFM has entered into an arrangement with Fidelity Investments Charitable Gift Fund (“Fidelity Charitable”). Fidelity Charitable is a charitable trust organized under the laws of the Commonwealth of Massachusetts, and is a charitable and is a charitable organization described in Section 501(c)(3) and Section 509(a)(1) of the Internal Revenue Code. Fidelity Charitable operates donor-advised funds described in Internal Revenue Code. An HFM client can establish a Giving Account®, whereby the client, as the donor (the “Account Holder”) makes an irrevocable charitable contribution(s) of personal assets (the “Assets”) to Fidelity Charitable. Thus, once the Assets are contributed by the Account Holder to the Giving Account, Fidelity Charitable becomes the legal owner of the Assets. The Assets are held by, and remain the property of, the Trustees of Fidelity Charitable, who have exclusive ownership and legal control over assets in the Giving Account. Although the client (Account Holder) retains advisory privileges as to donation amounts to the client’s desired charity recipients, the Trustees maintain ultimate legal authority and discretion over investment and distribution decisions for the Giving Account. Upon establishment of the Giving Account, and the corresponding nomination of the Account Holder, Fidelity Charitable shall then engage HFM as the investment adviser for the Giving Account under its Charitable Investment Advisor Program (the “Program”). HFM’s investment advisory fee is paid by Fidelity Charitable. Fidelity Charitable will assess an annual administrative fee on the Assets, as more fully described in the Program Description. Unless otherwise agreed upon by Fidelity Charitable, the Assets will be custodied at National Financial Services LLC (“NFS”), a Fidelity affiliated entity. Please Note: No client is under any obligation to establish a Giving Account. The client remains free to make charitable contributions independent of the Giving account. If the client was to make a contribution independent of the Giving Account, HFM would not earn an advisory fee on such amounts. Thus, the recommendation that the client establish a Giving Account creates the potential for a conflict of interest since HFM has an incentive for the client to establish the Giving Account rather than make a charitable contribution independent of the Giving Account. ANY QUESTIONS: HFM’s Chief Compliance Officer, Kent D. Aloia, CFP® AIF®, remains available to address any questions that a client may have regarding Fidelity Charitable. Client Obligations. In performing our services, HFM shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. Moreover, each client is advised that it remains his/her/its responsibility to promptly notify HFM if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by HFM) will be profitable or equal any specific performance level(s).