Firm Description CFF, a Massachusetts corporation, was founded in July 1989. CFF provides investment management services to funeral homes, cemeteries and monument companies, which have pre-need funding obligations as a result of their sale of pre-paid funeral services, related merchandise, and perpetual care funding obligations. CFF also provides administration and sub- accounting services to its advisory clients with respect to their escrow accounts. Principal Owners Mark C. Mannix is the sole shareholder of CFF. Types of Advisory Services CFF offers investment management and trust administration services to funeral homes, cemeteries and monument companies. All client assets are invested in one of five investment strategies offered by CFF. The five investment strategies offered by CFF are called the Conservative Income Strategy, the Moderate Income Strategy, the Conservative Growth & Income Strategy, the Moderate Growth & Income Strategy, and the Long-Term Growth & Income Strategy. The Conservative Income Strategy follows a passive management strategy and typically invests 100% of its assets in U.S. Treasury Bonds, which are typically held to maturity with the objective of providing security of principal while out- pacing inflation and offsetting rising costs of funeral services. The Moderate Income Strategy (75%/25%), Conservative Growth & Income Strategy (65%/35%), Moderate Growth & Income Strategy (50%/50%), and Long-Term Growth & Income Strategy (35%/65%) invest in mutual fund portfolios that, in turn, primarily invest in bonds and dividend producing stocks,

based on the approximate respective percentages noted above. All four of these investment strategies have the goal of generating income and long- term growth of capital. The Moderate Income Strategy and Conservative Growth & Income Strategy, however, focus more on income generation, while the Moderate Growth & Income Strategy and Long-Term Growth & Income Strategy focus more on growth of capital. Furthermore, all four of these investment strategies are sub-advised by Wells Fargo Advisors, LLC, which has the discretionary authority to manage those assets within set guidelines established by CFF. Cooperative Funeral Fund, Inc. P a g e | 5 CFF provides investment advice tailored to the particular needs of our clients by recommending appropriate investments in one or more of CFF’s investment strategies. As CFF’s advisory clients are generally subject to state laws that restrict the types of investments that they can make, advisory clients are permitted to impose restrictions on the types of investments that can be made by CFF on their behalf in their advisory agreements with CFF. Tax Preparation CFF prepares, distributes, and files tax returns and forms as required by the IRS on behalf of its clients relating to those accounts under CFF’s investment management. There is no additional charge for the tax preparation, it is included in the management fee. Assets under Management As of December 31, 2023, CFF had approximately $694,400,000 of assets under management belonging to clients. Currently, all assets are managed on a discretionary basis.