Midwest Heritage Bank, FSB dba Midwest Heritage Financial Advisors (“We”, “Us”, or “Midwest Heritage”) is registered as an investment adviser. Midwest Heritage Bank, FSB is the sole owner of Midwest Heritage Financial Advisors, which is a division of Midwest Heritage Bank, FSB. We provide investment advice to individuals, trusts, estates, charitable organizations, corporations and other business entities. We also provide advice to clients on financial planning, estate planning, tax planning which may include mortgages, automobiles, 529 plans, and other similar financial matters. Advice may be provided on matters that include, but are not limited to, life insurance, property and casualty insurance, and long- term care insurance. Midwest Heritage is a fiduciary and is required to act in a client’s best interest at all times. Midwest Heritage has an alternative office to meet with clients at 1025 Braden, Avenue, Chariton, Iowa 50049. Investment Management We use a time-tested, disciplined approach to investing. We are a “total portfolio” manager using an active, diversified investment approach. We believe that a portfolio should be diversified, and excess returns can be achieved by overweighting undervalued asset classes and investment styles. Typically, we tailor our portfolios to the individual needs of our clients by evaluating the client’s investment guidelines and objectives which we use to guide us in making investment decisions for each client. If you desire, you may impose restrictions on the securities or types of securities

you would like us to invest in. Financial Planning Sound financial planning services can help clients identify the strengths and weaknesses of their long-term financial health. We have years of experience in this area and sophisticated software tools available to assist our clients in developing comprehensive financial plans that guide them toward the accomplishment of their goals. Retirement Planning Retirement planning and financial planning are not one and the same. We have worked with many clients through their earning years and into the distribution phase of their lives. We assist clients with the management of their portfolios to ensure longevity through retirement while at the same time providing needed income. We have experience working with clients on a range of retirement planning issues, including rollover of 401(k) plans, level of income needed for retirement and tax-efficient distribution of after-tax and before-tax assets. Tax Planning Whether it’s the sale of a security, the exercise of a stock option, the transfer of real estate or the gifting of appreciated securities, advanced planning regarding the tax impact of a transaction is critical. Our team has many years of experience in assisting clients with tax issues. Our goal is to help our clients minimize their lifetime tax liability so they can hold onto the hard-earned dollars they work their entire careers to amass. Assets under Management As of September 30, 2023, we were actively managing $223,047,510 of clients' assets on a discretionary basis.