Description of Services and Fees Faithward Advisors, LLC (hereinafter “Faithward Advisors”), a registered investment adviser based in Lancaster, Pennsylvania. We are organized as a limited liability company under the laws of the Commonwealth of Pennsylvania. We have been providing investment advisory services since 2002. Faithward Advisors is a wholly-owned subsidiary of Faithward Holdings, LLC (“Faithward Holdings”). Bernard Bostwick and Adrian Young, Chief Compliance Officer, are the principal owners of Faithward Holdings. Currently, we offer the following investment advisory services, which are personalized to each individual client:
• Portfolio Management Services
• Advisory Consulting Services
• Selection of Other Advisors
• Pension Consulting Services The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words “we,” “our” and “us” refer to Faithward Advisors and the words “you,” “your” and “client” refer to you as either a client or prospective client of our firm. Also, you may see the term Associated Person throughout this Brochure. As used in this Brochure, our Associated Persons are our firm’s officers, employees, and all individuals providing investment advice on behalf of our firm. Portfolio Management Services Faithward Advisors provides portfolio management services primarily to individuals or non-profit organizations that are tailored to meet the needs and investment objectives of the client. We offer discretionary portfolio management services. Subject to any written guidelines, which you may provide, we will be granted discretion and authority to manage your account. Accordingly, our firm is authorized to perform various functions, at your expense, without further approval from you. Such functions include the determination of securities to be purchased or sold, the amount of securities to be purchased or sold, the broker/dealer to be used, and the commission rates to be paid. We primarily recommend investments in Mutual Funds, Real Estate Investment Trusts (REITs), Individual Securities, and Exchange Traded Funds (ETFs). Once the portfolio is constructed, we provide continuous supervision and re-optimization of the portfolio as changes in market conditions and your circumstances may require. You may limit our discretionary authority (for example, limiting the types of securities that can be purchased for your account) by providing our firm with your restrictions and guidelines in writing. If you enter into non- discretionary arrangements with our firm, we must obtain your approval prior to executing any transactions on behalf of your account. Biblically Responsible Investing (“BRI”) Faithward Advisors manages clients’ assets by selecting investments that conform to a BRI policy that Faithward Advisors believes promote Christian values. Faithward Advisors typically applies a BRI policy to investments through its ability to manage clients’ accounts directly (or to establish separate accounts with one or more sub-advisers who agree to invest subject to the BRI policy). The universe of acceptable investments for investors who apply an BRI policy will be reduced as a result of investments that are excluded because they do not comply with the guidelines set forth in the BRI policy. Pursuant to the BRI policy, Faithward Advisors performs an initial screen of potential new investments (or a new sub-adviser) as part of its due diligence process and monitors clients’ portfolios periodically on an ongoing, best efforts basis. Faithward Advisors may hold (or may permit a sub-adviser) to continue to hold securities that no longer meet its BRI criteria while corrective action is being taken (such as, for example, if we believe that the issuer is taking steps to address its non-compliance or to allow the investment sub-adviser adequate time to sell the security in a commercially reasonable manner at an attractive price). In addition, mutual funds, ETFs, or other commingled investment vehicles which clients and outside third parties invest may hold portions of its portfolio in securities that do not meet individual security restrictions in the BRI policy. Refer to “Methods of Analysis, Investment Strategies and Risk of Loss – Item 8” for additional information about the BRI strategy. Recommendation of Sub-Advisers As part of our overall portfolio management strategy, we may also recommend sub-advisers to manage all or a portion of your account, including SevenOneSeven Capital Management Ltd (“SevenOneSeven”), an affiliate of Faithward Advisors. All sub-advisers recommended by our firm must either be registered as investment advisers or exempt from registration requirements. These sub-advisers may specialize in traditional or alternative investments. Factors that we take into consideration when making our recommendations include, but are not limited to, the following: the sub adviser’s performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. Once a sub-advisory account has been established, we will provide all administrative and clerical duties that are required to service your account. The sub-adviser will have little or no direct contact with you. Our responsibility to you will be to: (i) continuously evaluate the performance of your portfolio to ensure the sub-adviser selected adheres to your asset allocation guidelines; (ii) make recommendations regarding the sub-adviser as market factors and your personal goals dictate, and (iii) when granted, assume discretionary authority to hire or fire the sub-adviser where such action is deemed to be in your best interest. As further discussed below, compensation paid to a sub-adviser is in addition to the advisory fee paid to Faithward Advisors (the “Advisory Fee”). For all accounts, the annual fee for portfolio management services is billed monthly in arrears based on the market value of the assets on the last day of the preceding month. Fees will be assessed pro rata in the event the portfolio management agreement is executed at any time other than the first day of the applicable billing period. On an annualized basis, our fees for portfolio management services, subject to negotiation, are based on the following tiered fee schedule: Assets Under Management Annualized Fee First $250,000 1.75% Next $750,000 1.50% Next $2,000,000 1.25% Thereafter 1.00% The sub-advisory fee charged by SevenOneSeven, our affiliate, shall not exceed 50 bps per annum. In our sole discretion, we may allow accounts of members of the same household and multiple accounts of a charity and its board members to be aggregated for purposes of determining the advisory fee. We may allow such aggregation, for example, where we service accounts on behalf of minor children of current clients, individual, and joint accounts for a spouse, and other types of related accounts. This consolidation practice is designed to allow client(s) the benefit of an increased asset total, which could potentially allow the account(s) to be assessed a reduced advisory fee based on the breakpoints available in the firm’s fee schedule as stated above. We will deduct our fee directly from your account through the qualified custodian holding your funds and securities or send you an invoice for the payment of our advisory fee. We will deduct our advisory fee only when you have given our firm written authorization permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an account statement to you at least quarterly. These account statements will show all disbursements from your account. You should review all statements for accuracy. We will also receive a duplicate copy of your account statements. The fees charged are calculated as described above and are not charged on the basis of a share of capital gains upon, or capital appreciation of, the funds, or any portion of the funds of an advisory client (15 U.S.C. §80b-5(a)(1)). Either party, upon written notice to the other, may terminate the management agreement. The management fee will be pro-rated for the month in which the cancellation notice was given, and fees

will be due and payable by the client. If a client is dissatisfied for any reason during the first 6 months from the inception of advisory relationship, the firm will refund all fees. Financial Planning and Estate Management Services Some clients may only require advice on various aspects of the management of their financial resources. For these clients, we offer general consulting services that address those specific areas of concern. These areas may include, but are not limited to, investment allocations, estate planning, charitable advice, advice on existing or potential investment products, tax planning, life and disability insurance planning, debt structure and/or financial decision making/negotiation. For clients who request specific consulting related services the final fee, subject to negotiation, is directly dependent upon the facts and circumstances of the client’s financial situation and the complexity of the financial service(s) requested. On an annualized basis, our fees for consulting services, subject to negotiation, are based on the following tiered fee schedule: Assets Annual Advisory Fee First $750,000 0.60% of Net Worth Thereafter 0. 30% of Net Worth Either party may terminate the agreement by providing written notice to the other party. If a client is dissatisfied for any reason, the firm will refund one-half of all fees paid in the last 6 months. Pension Consulting Services Our firm, or its affiliates, may provide pension consulting services to employee benefit plans, the plan sponsors and fiduciaries (collectively, the “Sponsor”) based upon an analysis of the needs of the plan. In general, these services may include an existing plan review, formation of an investment policy statement, assisting the Sponsor in fund selection and investment options, investment performance monitoring, risk management education, and/or ongoing consulting. Additionally, we will offer the Sponsor assistance in setting up a relationship with a third-party administrator and processing enrollment forms. We may also offer communication and education services to provide meaningful information regarding the retirement plan to its Participants. Information provided to participants in the educational seminars will be limited to general, impersonal advice. Pension Consulting services will be provided pursuant to the agreement entered into and within the parameters set forth in the plan documents. Where the Sponsor engages our firm to provide advice to participants on an individual basis, such advice will be limited to general retirement planning issues, and fund selection and asset allocation of plan assets. Plan Participants who wish to engage our firm for individualized financial planning or consulting services outside the scope of the qualified plan may do so by executing a separate agreement, including separate fees and fee payment arrangements, with our firm. The scope of these services, the fees, and the terms of the agreement for these services will be negotiated on a case-by-case basis with each Sponsor. We may be compensated based on an hourly fee, a flat fee, a fee based on percentage of assets, or a combination of fee arrangements based on the complexity of the plan and the agreement with the Sponsor. In any case, we will not have access to plan funds for payment of fees without written consent. The terms regarding payment of fees, termination, and refunds will be clearly set forth in the agreement executed between our firm and the Sponsor. We will not receive additional compensation beyond the consulting fees for our pension consulting services. All accounts are regulated under ERISA. We will provide consulting services to the Sponsor and the Participants as described above. The named Sponsor must make the ultimate decision as to retaining our firm for pension consulting services. The Sponsor is free to seek independent advice about the appropriateness of any recommended services for the plan. Our firm or the Sponsor may terminate the pension consulting agreement may terminate the pension consulting agreement by providing written notice to the other party. Selection of third-party money managers, platforms, and programs We may enter into agreements with third-party investment advisors for the provision of certain investment advisory services, including our affiliate, SevenOneSeven. Factors considered in the selection of a third- party advisor include, but may not be limited to: i) Our firm’s preference for a particular third-party advisor; ii) the client’s risk tolerance, goals and objectives, as well as investment experience; and iii) the amount of client assets available for investment. In order to assist clients in the selection of a third-party advisor, we will typically gather information from you about your financial situation, investment objectives, and reasonable restrictions you want imposed on the management of the account. The third-party advisor may customize your portfolio by blending traditional investment strategies with an allocation to asset classes. The investment strategy adopted by the third-party advisor may embrace value, growth, or contrarian investing styles. Generally, securities transactions will be decided upon and executed by the third-party advisor on a discretionary basis. This means that the manager selected will have the ability to buy and sell securities in your account without obtaining your approval. We will not manage or obtain discretionary authority over the assets in accounts participating in these programs; however, clients may grant us the discretionary authority to hire and fire such third-party managers. Generally, clients may not impose restrictions on investing in certain securities or types of securities in accounts managed by a third-party advisor. We will periodically review reports provided to the client. We will contact the client at least annually in an effort to review your financial situation and objectives, communicate information to the third-party advisor managing the account as necessary, and to assist you in understanding and evaluating the services provided by the third-party advisor. Please notify us of any changes in your financial situation, investment objectives, or account restrictions. A complete description of the services provided, the amount of total fees, the payment structure, termination provisions and other aspects of the third-party advisor’s advisory business are detailed and disclosed in: i) the third-party advisor’s Form ADV Part 2A; ii) the program wrap brochure (if applicable) or other applicable disclosure documents; iii) the disclosure documents of the portfolio manager(s) selected; or iv) the third-party advisor’s account opening documents. A copy of all relevant disclosure documents of the third-party advisor and of the individual portfolio manager(s) will be provided to anyone interested in these programs/managers. We will share in the fee paid to the third-party advisor. The management fee is disclosed in the third-party advisor’s disclosure documents. These fees may or may not be negotiable. Our compensation may differ depending upon our individual agreement with each third-party advisor. As such, we have an incentive to recommend one third-party advisor over another third-party advisor with whom we have a less-favorable compensation arrangement or other advisory programs offered by third-party advisors with which we have no compensation arrangements. Clients are not required to use the services of any third-party advisor recommended by us. Retirement Account Advice When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Securities Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. The receipt of our advisory fee for making a recommendation creates a conflict of interest under ERISA/IRC with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. For example, if we recommend that you rollover assets from one retirement account to another and we receive increased compensation as a result of that recommendation, we have a conflict that requires us to operate under this special rule.