Lloyd Capital LLC Lloyd Capital LLC Page 3 Principal Owner Lloyd Capital is wholly owned by Emerald Wealth Partners AG (“Emerald”), a Kilchberg, Switzerland-based firm. Types of Investment Services Lloyd Capital offers its services to clients (“Clients”) who seek international diversification in terms of currency and geographic exposure, and highly liquid and easy-to-comprehend investments, mainly equities and bonds. Services are discretionary investment management and investment advisory, for individuals, trusts, corporations and business entities and investment structures who are generally “U.S. persons” as defined by the SEC. Clients choose one or more of the following strategies offered by Lloyd Capital: balanced, long-term growth and concentrated equity. Please see Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss below for more detailed information regarding our investment practices. Lloyd Capital conducts research and makes investment decisions and recommendations for Clients based on the strategy selected, taking into account Client restrictions and guidelines. Lloyd Capital does not select the custodians to hold Client cash and securities (“Assets”). As an investment manager, Lloyd Capital recognizes that all of our Clients are unique and that their investment needs may be different. As such, we may modify our primary investment strategies in an effort to accommodate the investment objectives and restrictions requested by a particular Client. At the commencement of the relationship, each of our Clients executes an asset management agreement or investment advisory agreement, which sets forth their investment objectives, investment strategy and any restrictions that will be applicable to our management or advice relating to the client’s Assets. We review requested objectives and restrictions and work with the Client as needed to refine these objectives and restrictions to both meet the Client’s needs and provide us with sufficient discretion to properly invest the Client’s Assets. All agreements are amended as required. Client servicing will generally include the following steps:  Investment and Risk Profile. Focus: Investor's short-term and long-term needs, familiarity with capital market history and expectations.  Agreed Objective. Focus: Propose appropriate investment strategy to be constructed and managed.  Examine current and projected financial, economic and social conditions. Focus: Short- and intermediate-term expected conditions to use to construct a portfolio.  Implement the plan by constructing the portfolio and trade the portfolio. Focus: Meet

the investor's needs at minimum risk levels.  Feedback loop. Focus: Monitor/update investor needs, environmental conditions, evaluate portfolio performance. Lloyd Capital’s goal is to invest in publicly traded global equities and bonds, funds or Lloyd Capital LLC Page 4 ETFs. All portfolios are invested directly in highly liquid and easy-to-comprehend investments, mainly equities and bonds, but also non-U.S. commodities. Lloyd Capital believes in an actively managed approach, based on long-term fundamentals. Asset allocation is employed in order to help minimize risk and limit the volatility of Client portfolios. Clients long-term vision allows for short-term volatility. Tailored Relationships Lloyd Capital tailors investment management services to the individual needs of the Client. The goals and objectives for each Client, as well as any restrictions, are documented in the agreements and amended from time to time. Clients are allowed to impose restrictions on the investments in their account. Lloyd Capital will accept any reasonable limitation or restriction by the Client to the extent that these restrictions do not impair Lloyd Capital’s ability to effectively manage an account. Wrap Fee Programs Lloyd Capital does not sponsor or manage a Wrap Fee Program or manage Client assets via Wrap Fee programs. Client Assets As of the December 31, 2023, our Client regulatory assets under management (“AUM”) total US $526,246,334. Compensation Lloyd Capital’s fee for investment management services varies based on the amount of AUM managed for a Client. Standard fees are a fixed per cent of AUM within a range of 0.3% to 0.7%. In exceptional cases, Lloyd Capital may offer performance- based fee arrangements. Fees are negotiable and depend upon Client factors, such as the size of the portfolio, family holdings, anticipated future business or pre-existing relationships. Other factors include, but not be limited to, the type of portfolio, time and effort involved, the degree of responsibility assumed, the complexity or simplicity of the engagement, special skills needed to address issues and knowledge of the Client’s situation. As such, Clients fees may vary. Should Clients invest in any funds or third-party products where Lloyd Capital or a related party acts as an investment manager, such Assets will be excluded from the AUM for the purposes of fee calculation in order to avoid double fee charges. Valuations and Fee Calculation and Payment Client Assets are valued by the custodian. Lloyd Capital calculates its fees using Assets valued by the custodian. This can pose a