GenTrust provides wealth management, investment management, financial planning, and consulting services. Prior to engaging GenTrust to provide any of the foregoing investment advisory services, clients are required to enter into a written agreement with GenTrust setting forth the terms and conditions under which GenTrust renders its services (an “Agreement”). The principal owners of GenTrust are James Besaw, George Perez, Guillermo Socarras, and Eli Cohen. Kudu Investment US, LLC, (“Kudu”) a Delaware limited liability company, owns a passive, non-controlling minority stake in GenTrust. As of December 31st, 2023, GenTrust managed approximately $3.15 billion in assets, of which $2.72 billion are on a discretionary basis and $423 million are on a non-discretionary basis. Financial Planning, Consulting and Concierge Services GenTrust offers clients a broad range of comprehensive financial planning, consulting, and concierge services. These services are tailored to the individual needs of the client, but may include income planning, cash flow analysis and budgeting. GenTrust’s concierge services include assistance with the essential lifestyle demands of high-net-worth clients, such as coordination of bill pay and assistance with travel planning. Services to Financial Intermediaries GenTrust also provides research, consulting, research reports, and support services on a wholesale fee basis to investment advisory firms (“Financial Intermediaries”) to assist such firms in providing manager recommendations, monitoring, and reporting services to the Financial Intermediary’s Clients (“Financial Intermediary Clients”). Depending on the scope of the agreement, Financial Intermediaries may receive operational support, model portfolios, third-party manager due diligence, reporting, marketing, training and other services or support from GenTrust, including the use of GenTrust’s office space at favorable market rates. GenTrust may recommend the services of other investment professionals to implement investment recommendations. Clients and Financial Intermediary Clients are under no obligation to act upon any of the recommendations made by GenTrust under a financial planning or Financial Intermediary engagement or to engage the services of any such recommended professional, including GenTrust itself. Clients and Financial Intermediaries retain absolute discretion over all such implementation decisions and are free to accept or reject any of GenTrust’s recommendations. Clients and Financial Intermediaries are responsible for promptly notifying GenTrust if there is any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising GenTrust’s previous recommendations and/or services. Investment Management Services Clients can engage GenTrust to manage all or a portion of their assets on a discretionary or non- discretionary basis, which may include all or a portion of the financial planning services, concierge, or consulting services discussed above. GenTrust allocates clients’ assets to mutual funds, exchange-traded funds (“ETFs”), individual debt and equity securities, options, independent managers, and other securities in accordance with their individual investment objectives. In addition, when consistent with the clients’ investment objectives, GenTrust may recommend that clients who are “accredited investors” as defined under Rule 501 of the Securities Act of 1933 (“Securities Act”) or “qualified purchasers” as defined under Section 2(a)(51)

of the Investment Company Act of 1940 (“Investment Company Act”), as amended, invest in strategies offered through private placement securities, which may include debt, equity, and/or pooled investment vehicles (e.g., hedge funds), including private investments of GenTrust’s affiliate, Catenary Alternatives Asset Management, LLC (“CAAM”). GenTrust may also provide advice with respect to positions or investments held in clients’ portfolios. GenTrust may also be engaged to provide these services as a sub-adviser to clients of Financial Intermediaries (“Sub-advisory Clients”). GenTrust tailors its advisory services to the individual needs of clients. GenTrust consults with clients initially and periodically to determine risk tolerance, time horizon, and other factors that can impact a client’s investment need and together with the client select an appropriate benchmark. The benchmark, which consists primarily of widely recognized market indexes, allows the client to track GenTrust’s returns versus the broader investible universe and evaluate the portfolio’s performance relative to the client’s agreed upon goals and risk level. The client’s benchmark is updated as needed, typically when there is a material change to a client’s risk profile or as a result of a predetermined asset allocation strategy that gradually shifts the investment portfolio's allocation over time (“glidepath”). GenTrust has in place policies to ensure that clients’ investments are suitable for their investment needs, goals, objectives, and risk tolerance. Clients should promptly notify GenTrust if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon GenTrust’s management services. Clients may request reasonable restrictions or mandates on the management of their account if, in GenTrust’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts. Retirement Accounts When we provide investment advice to clients regarding their retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title 1 of ERISA and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with our client’s interests, so we operate under a special rule that requires us to act in our client’s best interest and not put our interest ahead of our clients’. Under the Rule’s provisions, we must:  Meet a professional standard of care when making investment recommendations (give prudent advice).  Never put our financial interests ahead of our clients when making recommendations (give loyal advice).  Avoid misleading statements about conflicts of interest, fees, investments.  Have in place policies and procedures designed to ensure that we give advice that is in the clients’ best interest.  Charge no more than is reasonable for our services; and  Provide our clients with basic information about conflicts of interest. Retirement Account Rollovers We offer recommendations and advice concerning employer retirement plan or other qualified retirement accounts. Our recommendations may include that the client consider withdrawing the assets from his/her employer’s retirement plan or other qualified retirement account and roll the assets over to an IRA or other qualified investment vehicle. If a client elects to roll the assets to an IRA that is subject to our management, we will charge an asset-based fee as described under