Business and Services CEERA provides continuous investment advisory services on a fee-only, discretionary basis via separately managed accounts to various types of clients, pursuant to investment advisory contracts. CEERA is 100% owned by its President & Managing Member, Rajesh Chelapurath and has been providing investment advisory services since July 2005. Goals, Objectives, and Management: After digesting and discussing the information supplied by a client on his/her/its financial situation, objectives, time horizon, and risk tolerance, CEERA makes appropriate investments in the client’s account to best meet their specific long-term goals and objectives—typically categorized as Capital Appreciation, Equity Income, Fixed Income, or a mix thereof. If a client so desires, CEERA can manage a client’s assets, spread across multiple taxable and non-taxable accounts, in a holistic fashion by combining them “virtually” as if one portfolio and then manage that asset base effectively for the client. Investment Vehicles and Methods Used: CEERA invests principally in publicly-traded individual investments and funds. In selecting these investments, safety of principal and an adequate return, in line with client objectives and within the context of the asset class, are important considerations. The investment vehicles generally used to achieve a client’s objectives comprise an appropriate mix of:  Individual investments (equities--exchange-traded, OTC, foreign; fixed income--corporate, federal, and municipal debt; hybrid securities--preferreds, convertibles). While identifying individual investment securities, the principal method used is a disciplined investment process to identify securities that, in CEERA’s opinion, are being mispriced in the marketplace or those that

offer a decent risk/reward return opportunity relative to a client’s objective and needs. AND/OR  Funds (primarily no-load mutual funds, closed-end funds, ETFs). While identifying funds, CEERA will give due consideration to past performance, transaction fees, expense ratios, management/ investment style, and investment philosophy in addition to any other factors it considers relevant. Choice/ Restrictions: While the objectives and mix of investments are decided based on discussion with clients, clients may choose to be invested only in individual investments (or funds) if they want or may impose restrictions on investing in certain investments (or funds) or types of investments (or funds). Occasionally, CEERA provides:  Financial planning services that include tax planning, insurance planning, retirement planning and estate planning. Financial planning services may include consultations and/or written plans, which analyze a client’s financial situation and make appropriate recommendations.  Advice to clients on matters not involving securities and about securities in any manner not described above  Advice on and/or use the following, but not limited to, types of investments: Warrants, Commercial paper, Certificates of Deposit, Investment Company Securities (variable life insurance, variable annuities, mutual fund shares), Option contracts (securities, commodities), Futures contracts, and Interests in partnerships (investing in real estate, oil and gas interests).  Overview of individual third-party investment managers As of December 31st, 2023, CEERA had Regulatory Assets Under Management totaling $328.4 Million, out of which $328.4 Million were managed on a discretionary basis and the remaining $0 Million were non-discretionary assets.