Foresight Capital Management Advisors, Inc. (“FCMA”) is a fee only investment consulting and management firm that provides Investment Management, Investment Consultation, Financial Planning and Retirement Plan Investment Management and Advisory services. The firm is located in Saline, Michigan and incorporated in 2008. The firm’s principal owners are Laurie and Gerald Stegenga. FCMA provides services primarily to defined contribution plans, endowments and similar types of institutional Clients and high net worth individuals, trusts, estates, pension, and profit-sharing trusts. The services provided by FCMA vary from Client to Client but generally are designed to (1) assist individuals and fund trustees, administrators and other Clients in formulating investment policies, (2) assist Clients with evaluating their financial circumstances, (3) provide, where requested, mutual fund and other securities recommendations and management, and (4) provide investment manager searches, and manager performance reports. Clients may meet with their FCMA representative at any time. As of December 31, 2023, FCMA manages $251,318,596 in assets on a discretionary basis and an additional $1,219,450 on a non-discretionary basis. The firm is a fee only advisor and does not participate in wrap fee arrangements. A description of FCMA's services and fees follows: Retirement Plan Investment Management and Advisory Services FCMA's Retirement Plan Investment Management and Advisory Services include selection and monitoring the performance of a grouping of mutual funds intended to meet compliance and fiduciary standards. Services also include selection of no-load mutual funds, monitoring of fund performance, and replacement of funds when necessary, quarterly reporting to Trustees and plan participants of fund performance and comparison of performance to industry benchmarks, educational workshops, meetings for plan participants, website information, and quarterly newsletters outlining the selection of funds and performance available for plan participants. Services are tailored to meet the individual needs of each client. Investment Consulting Services FCMA also provides a variety of ancillary services relating to investment consulting. The services include retirement investment educational services to retirement plan participants, fiduciary process audits, manager of managers investment analysis, comprehensive and targeted financial planning and speaking engagement services. FCMA is also open to provide other services it believes it has the capacity to provide. The financial planning process involves establishing the scope of work, gathering information, analyzing the data, developing a strategy, implementation and monitoring results. Discretionary Investment Management Services FCMA also provides discretionary investment management services to individuals, families, and companies having the objective of investing assets in one or more mutual funds or individual securities which, in FCMA's judgment, are consistent with the objectives of the Clients and with the risk tolerances identified by the Clients. Services begin with FCMA analyzing the investments in a Client's current portfolio, including portfolios held in retirement accounts, and obtaining information from the Client pertaining to the Client's financial situation and needs. After this analysis, FCMA then makes investment and third-party manager selections

for the Client's portfolio by purchasing mutual funds or other securities which FCMA believes will meet the Client's investment objectives, or by hiring an independent investment manager to provide continuous management services. Each Client grants FCMA authority in writing to purchase and sell securities and to hire and fire managers in advance of services beginning. FCMA then periodically reviews the Client's mutual funds and other securities, and selected investment manager performance, as frequently as Client and FCMA mutually agree, or in the absence of Client's instruction, by FCMA alone. A written report Foresight 6 | P a g e identifying the investments in a Client's account, each investment's current value and the performance of the account is provided by FCMA to each Client at least quarterly. Accounts receiving FCMA's Investment Management Services are usually maintained by Charles Schwab & Co., Inc., or Matrix Trust Company unless a Client has an existing relationship with another brokerage firm or bank. However, FCMA usually requires all accounts it advises with discretionary authority to be custodied at Schwab, Matrix Trust, or another custodian designated by FCMA. Accounts managed by other selected investment managers are usually custodied at the Client's brokerage firm or FCMA's recommended custodian. FCMA supplies each manager it hires for a Client with information regarding investment objectives of the Client. The other selected investment manager exercises discretionary authority to buy and sell investments in accordance with the objectives of the Client. FCMA also provides periodic assistance in evaluating manager performance and, if necessary, recommendations to replace the other selected investment manager. To the extent FCMA becomes aware of changes in a Client's objectives, this information is relayed to the other selected investment managers. Clients may communicate such changes to the other selected investment managers at any time. FCMA generally does not recommend the replacement of a manager based on short-term performance results. In the event there is significant change in the manager's investment philosophy, loss of significant investment management personnel or a change in ownership, FCMA will re-evaluate the manager to determine whether the manager has changed from how the manager represented itself initially. As indicated above, each Client grants the manager discretionary trading authority so the manager can place transaction orders at will for a Client's account. Each Client has the opportunity to instruct the manager with respect to investment restrictions the Client wishes to impose on the management of the Client's account. There is no restriction on a Client contacting the manager directly for any purpose. Each Client account with a manager is managed individually and is separate from the accounts of other Clients of the manager. Each Client receives a confirmation of each securities transaction placed by the manager for the Client's account, periodic custodian account statements, as well as summary of account performance. It is important to note that even though certain managers may have had better account management return results than other managers, they may not be presented to a Client by FCMA due to the influence of other factors, including the nature of portfolio manager's investment style and time under which securities were managed to produce returns.