Krane Financial Solutions is a registered investment adviser firm registered with the Securities and Exchange Commission since April 15, 2010. The principal owner of Krane Financial Solutions, LLC is Justin D. Krane, President and Chief Compliance Officer. Types of Advisory Services Krane Financial Solutions’ (“Krane Financial” or “Advisor”) offers investment advisory services, which consist of investment management, financial and retirement planning, and consulting to retirement plans and businesses. Investment Management Services The Advisor offers customized portfolio management, on a discretionary and non-discretionary basis, according to the client's overall investment objectives and guidelines. The Advisor's primary approach is to use a tactical allocation strategy aimed at reducing risk and increasing performance. The Advisor may recommend and/or invest clients’ assets in a variety of types of investments, including but not limited to U.S. and foreign equity securities, warrants, corporate debt securities, commercial paper, Certificate of Deposits (CDs), municipal securities, mutual funds, exchange traded funds, U.S. Government securities, and options in securities. Depending on client needs, Krane Financial’s investment recommendations include, but are not limited to:  Redistributing investment allocations to diversify a client’s portfolio in an effort to manage risk and increase performance;  Investing in specific stocks to increase sector weighting and/or dividend potential;  Employing cash positions as a possible hedge against market movement which may adversely affect a client’s portfolio;  Selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position(s) in the portfolio, change in risk tolerance of client, or any risk deemed unacceptable for a client's risk tolerance; and Please refer to Item 8 for further information on Krane Financial’s method of analysis and investment strategies, including risks surrounding the types of investments utilized. Krane Financial provides investment advisory services and portfolio management services but does not provide securities custodial or other administrative services. At no time will Krane Financial accept or maintain custody of a client's funds or securities. Please refer to Item 15 for further information on custody. Qualified Retirement Plan Advisory and Consulting Services Krane Financial offers advisory services to Qualified Retirement Plans (“Plans”) including Plan evaluation, investment allocation recommendations, investment selection recommendations, Page 5 Krane Financial Solutions monitoring of investment service providers, educational seminars for Plan participants, and Plan enrollment and participant communication assistance. Krane Financial will provide information and recommendations to aid the Plan Sponsor in selecting and monitoring investments offered to Participants in the Plan. The Advisor's roles and actions in fulfilling all responsibilities pertaining to the agreement shall not include those of the Plan's Trustee and will be performed solely at the direction of the Plan Sponsor, its authorized officers, employees and/or agents. At no time will the Advisor accept, maintain possession of, or have custodial responsibility for, the Plan's assets. Communicational and educational activities in which the Advisor engages related to Participants in the Plan shall be solely at the direction of the Plan Sponsor and shall not be represented by the Advisor or Plan Sponsor as investment, tax or legal advice. The Advisor is not licensed to provide, shall not provide, nor be construed to provide, the services of an attorney or accountant. Financial Planning In addition to investment management services, Krane Financial offers financial planning services to certain clients. The type and extent of the financial planning services provided will depend on the client’s needs, and can include areas such as insurance, taxes, retirement needs, investments, budgeting, and estate planning. Krane Financial shall provide the client with financial planning recommendations, which get developed as a result of consultations with the client where the client provides Krane Financial with information about the client’s goals and objectives. For comprehensive financial planning services, the Advisor will provide a written financial plan to the client. Any investment recommendations provided will include advice on portfolio customization based on the client's investment objectives, goals, and financial situation. Clients are advised that certain assumptions are made with respect to interest and inflation rates, use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance. Krane Financial cannot offer any guarantees or promises that the client’s financial goals and objectives will be met. For all financial planning services provided by Krane Financial, clients are free at all times to accept or reject any or all recommendations made by Krane Financial and clients retain the authority and discretion on whether or not to implement the Advisor’s recommendations. If the client decides to follow the Advisor’s recommendations, the client has the option, but is under no obligation, to implement such recommendations with Krane Financial through the Investment Management Services, as described above. Business Consulting Services For advisory clients that have their own businesses, Krane Financial will assist the clients, if requested, with creating one or more customized business strategies, which include:  Tracking key performance indicators  Working with bookkeepers  Tax planning  Understanding financial statements Page 6 Krane Financial Solutions  Pricing  Making investments in the business  Marketing campaigns  Handling business assets Clients that receive these services are not obligated to implement any of the recommendations made

by Krane Financial and are free at all times to accept or reject any such recommendations. Should a client decide to implement any investment recommendations, they may do so through Krane Financial or any other firm of their choosing. This service is usually charged an hourly or fixed fee, which is in addition to any investment management fees being paid by the client to Krane Financial. Please refer to Item 5 below for further detail. Consultation on Alternative Investment Opportunities Krane Financial does not typically include alternative investments (including private funds, private equity, limited offerings and/or real estate) as part of its asset allocation within client portfolios or recommend as part of its financial planning advice. In the event that a client specifically requests Krane Financial to review a particular alternative investment as a stand-alone investment separate and distinct from the assets managed by Krane Financial, due diligence could be performed by the firm, in its sole discretion, pursuant to an addendum to the written client agreement between the client and Krane Financial. As part of this service, the Firm also can perform one or more of the following, as selected by the client:  Exploring the implications of having an asset allocation to the alternative investment opportunity;  Providing a one-time review of the alternative investment opportunity and advising on liquidation, reinvestment and/or other actions that client should consider; and/or  Reporting on the performance of the alternative investment as part of the performance reporting issued by Krane Financial There are significant risks when investing in alternative investments. A summary of certain risks is outlined in the written agreement addendum and should be read fully. No additional fees are charged for this service. Each client receiving this service can accept or reject any consultation opinions provided by Krane Financial, has the sole responsibility for any purchase or sale of the alternative investment, and the ongoing monitoring of the investment. Newsletters Krane Financial also provides newsletters to clients and prospects at no charge. The newsletter can include but is not limited to topics such as current market conditions, retirement planning, financial planning, insurance and estate planning and any other relevant topics or information the Advisor deems appropriate. Important Information Relating to Krane Financial’s Services The investment advice provided by Krane Financial is customized to each client’s individual needs, objectives, and other financial goals. At the onset of the client relationship, Krane Financial memorializes each client’s investment objectives, risk tolerance, investment guidelines, Page 7 Krane Financial Solutions time horizons, tax status, liquidity requirements, and other important and necessary information. The information provided by the client, together with any other information relating to the client’s overall financial circumstances, will be used by the firm to determine the appropriate portfolio asset allocation and investment strategy for each client. Krane Financial does not assume any responsibility for the accuracy of the information provided by the client and is not obligated to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. Under all circumstances, clients are responsible for promptly notifying Krane Financial in writing of any material changes to the client’s financial situation, investment objectives, time horizon, or risk tolerance. In the event that a client notifies Krane Financial of changes in the client’s financial circumstances, it will review such changes and implement any necessary revisions to the client’s portfolio. Prior to engaging the Firm, the client will be required to enter into a written agreement setting forth the terms and conditions under which Krane Financial shall render its services (the “Agreement”). In accordance with applicable laws and regulations, Krane Financial will provide a disclosure brochure (ADV Part 2A), one or more brochure supplements (ADV Part 2B), and Form CRS (as applicable) to each client prior to or contemporaneously with the execution of an investment advisory agreement. The Agreement between Krane Financial and the client will continue in effect until terminated by either party pursuant to the terms of the Agreement. Krane Financial’s annual fee shall be prorated through the date of termination and any remaining balance shall be charged or refunded to the client, as appropriate, in a timely manner. Neither Krane Financial nor the client may assign the Agreement without the consent of the other party. Transactions that do not result in a change of actual control or management of a Krane Financial shall not be considered an assignment. At no time will Krane Financial accept or maintain physical custody of a client’s funds or securities. Clients may impose reasonable guidelines and/or restrictions on investing in certain securities or types of securities. For example, a client may specify that the investment in any particular stock or industry should not exceed specified percentages of the value of the portfolio. All such guidelines and restrictions must be communicated to Krane Financial in writing. There may be times when certain restrictions are placed by a client, which prevents Krane Financial from accepting or continuing to manage the account. Krane Financial reserves the right to not accept and/or terminate management of a client’s account if it feels that the client- imposed restrictions would limit or prevent it from carrying out its investment strategies. Krane Financial does not provide portfolio management services through wrap fee programs and does not sponsor any wrap programs. Krane Financial manages client assets and as of December 31, 2023, has the following assets under management: Discretionary assets: $117,870,831 Non-discretionary assets: $102,733,948 Total $220,604,779 Page 8 Krane Financial Solutions