EDWARD JONES

Edward Jones Retirement Plan Services Brochure as of February 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material changes that have been made to this brochure since our annual filing on February 14, 2025. • On August 29, 2025 we updated the brochure to reflect a new minority investment an Edward Jones affiliate has made in Boon Business Solutions, Inc. d/b/a Aboon. For more information, please see Item 14: Client Referrals and Other Compensation. • We are updating the brochure to reflect that beginning March 27, 2026 Edward Jones will introduce a new fee billing option of a flat fee for qualifying plans with assets under care above $20 million. Please refer to Item 5: Fees and Compensation. Item 3: Table of Contents Item 1: Cover Page .............................................................................................................................. 1 Item 2: Material Changes .................................................................................................................... 2 Item 3: Table of Contents .................................................................................................................... 2 Item 4: Advisory Business .................................................................................................................. 3 Item 5: Fees and Compensation ........................................................................................................ 7 Item 6: Performance-Based Fees and Side-by-Side Management ................................................. 9 Item 7: Types of Clients ....................................................................................................................... 9 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss .......................................... 9 Item 9: Disciplinary Information .......................................................................................................10 Item 10: Other Financial Industry Activities and Affiliations .........................................................12 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ...13 Item 12: Brokerage Practices ............................................................................................................12 Item 13: Review of Accounts .............................................................................................................12 Item 14: Client Referrals and Other Compensation .........................................................................13 Item 15: Custody .................................................................................................................................14 Item 16: Investment Discretion ..........................................................................................................14 Item 17: Voting Client Securities .......................................................................................................14 Item 18: Financial Information ...........................................................................................................14 Item 19: Requirements for State-Registered Advisers ...................................................................14 Page 2 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Advisory Business adviser (“Section 3(21) investment adviser”), an investment adviser or manager who provides services comparable to those provided by a Section 3(21) investment adviser (also referred to as a “Section 3(21) investment adviser”), or an ERISA Section 3(38) investment manager (“Section 3(38) investment manager”), as described in more detail below. In a Pooled Plan, the “Independent Investment Fiduciary” will be a Section 3(21) investment adviser. The Agreement includes our acknowledgment that Edward Jones is serving as a Section 3(21) non-discretionary investment adviser under ERISA when providing fiduciary services. Clients participating in Retirement Plan Services typically: • value recommendations from Edward Jones when selecting a Platform Provider; Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs, subject to program eligibility requirements. One such program is Edward Jones Retirement Plan Services (“Retirement Plan Services”). This brochure (“Brochure”) provides plan sponsors (the “Plan Sponsor”) of employee benefit plans (the “Plan”) subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), with information about Edward Jones, Retirement Plan Services, the fees charged for Retirement Plan Services (“Retirement Plan Services Fee”) and our business practices. The Plan Sponsor (or, to the extent the Plan Sponsor has delegated its investment authority to an investment committee, the committee) is also referred to as “Client,” “you” or “your.” Please review this Brochure carefully before you decide to participate in Retirement Plan Services. • value recommendations from Edward Jones when selecting Eligible Investment Options (defined below) offered by a Participant-Directed Plan or investments for a Pooled Plan and annual reviews of the same; • value educational services for the Plan; • value educational services for Client’s employees; and/or We offer our Retirement Plan Services to plans that allow participants to exercise independent control over the investment of their individual accounts (“Participant-Directed Plans”) and to other plans, such as defined benefit and defined contribution plans that do not allow participants to exercise control over plan investments (“Pooled Plans”). • are comfortable paying asset-based (percentage) fees for advisory services. Other advisory programs offered through Edward Jones are not described in this Brochure. These programs offer different services and have different fees and eligibility requirements. Certain programs or offerings are only available through select financial advisors. To learn more about other advisory programs offered by Edward Jones, please ask your financial advisor or go to www.edwardjones.com/advisorybrochures to review the brochures for the available advisory programs. Typically, Clients work directly with one Edward Jones financial advisor. However, certain Clients, such as large Plans with employees in multiple locations or Plans that are transitioning from one financial advisor to another, may work with more than one financial advisor in order to serve the needs of the Plan. In some situations, these Clients will receive fiduciary services from one financial advisor and non-fiduciary services (e.g., educational services) from one or more other Edward Jones financial advisors. Alternatively, these Clients could receive fiduciary and non- fiduciary services from more than one financial advisor. Regardless of the number of Edward Jones financial advisors providing services or the determined service arrangements, there is no impact or change to the fees paid by the Client for the services provided. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. As of December 31, 2024, we managed $362,772,959,455 in discretionary assets and $462,273,739,618 in non-discretionary assets across all of our advisory programs. Retirement Plan Services for Participant-Directed Plans Through Retirement Plan Services, Edward Jones offers the following services to Participant-Directed Plans: (1) recommending Platform Providers from a set list maintained by Edward Jones that may, for example, serve as custodian, record-keeper or otherwise provide services to you; (2) recommending Independent Investment Fiduciaries from a set list maintained by Edward Jones;(3) providing non-discretionary investment advice regarding Eligible Investment Options offered by the Participant-Directed Plan; (4) providing educational services to Client and Client’s employees; and (5) providing additional services to Client. The decision to participate in this program is yours. Before making this decision, you and your financial advisor should discuss whether this program is appropriate for your investment goals or needs. If you decide to participate in Retirement Plan Services, you will enter into a written Edward Jones Retirement Plan Services Agreement (the “Agreement”) between you, as the responsible plan fiduciary for the Plan, and us. In addition, you will appoint an Edward Jones-approved platform provider for the Plan (the “Platform Provider”) and Independent Investment Fiduciary (defined below). In a Participant-Directed Plan, the “Independent Investment Fiduciary” may be either an ERISA Section 3(21) investment Fiduciary Services for Participant-Directed Plans. When we recommend Platform Providers and provide non-discretionary investment advice regarding Eligible Investment Options offered by Page 3 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com a Participant-Directed Plan, we are acting as a fiduciary under Section 3(21) of ERISA (“Participant-Directed Fiduciary Services”). Platform Provider and Independent Investment Fiduciary Recommendations to Participant-Directed Plans. Edward Jones will assist you with your search for Platform Providers to provide custodial, investment and/or record-keeping services to the Plan. with your Independent Investment Fiduciary. Independent Investment Fiduciaries serving as Section 3(21) investment advisers also provide “automatic execution” or “automatic replacement services.” This means that if you agree to or otherwise accept the Independent Investment Fiduciary’s replacement recommendation, your Platform Provider will automatically implement the Independent Investment Fiduciary’s recommendation by removing the Uncovered Investment from your Plan Investments and replacing it with the recommended Eligible Investment Option. We will limit our recommendations to a select number of Edward Jones-approved Platform Providers that offer investment-related fiduciary services through an “Independent Investment Fiduciary” or the “Independent Investment Fiduciaries.” Your preference for an Independent Investment Fiduciary offering its services as either a Section 3(21) investment adviser or Section 3(38) investment manager will be a factor in our recommendation of Platform Providers since not all Platform Providers offer Independent Investment Fiduciaries who serve as both a Section 3(21) investment adviser and a Section 3(38) investment manager. If you choose to decline your Independent Investment Fiduciary’s replacement recommendation, you must work with your Edward Jones financial advisor to choose an alternate Eligible Investment Option. If the Uncovered Investment is not replaced within a period of time as determined and communicated by Edward Jones, Edward Jones may, in its sole discretion, provide notice of termination of the Retirement Plan Services Agreement and Edward Jones’ resignation as an Independent Investment Fiduciary to the Plan. Please refer to your agreement with your Independent Investment Fiduciary for details regarding its provision of automatic execution or automatic replacement services. For plans utilizing an Independent Investment Fiduciary serving as a Section 3(38) investment manager, your Independent Investment Fiduciary will be responsible for removing and replacing Plan Investments available in the Plan. From the investment options available to the Plan through the Platform Provider, your Independent Investment Fiduciary will develop a menu of investment options that it has found to be prudent for your Plan (“Eligible Investment Options”). Independent Investment Fiduciaries will then present these Eligible Investment Options for your consideration as the Plan Sponsor for inclusion in the Plan. Section 3(38) investment managers will select and maintain the investment options for the Plan. The Eligible Investment Options selected by you, as Plan Sponsor, or selected by your Section 3(38) investment manager become the investment options made available to the Plan (“Plan Investments”). Although Edward Jones will recommend Platform Providers and Independent Investment Fiduciaries, you will be responsible for selecting the Platform Provider and the Independent Investment Fiduciary. In order to participate in Retirement Plan Services, you must select and enter into separate contractual relationships with an Edward Jones- approved Platform Provider and Independent Investment Fiduciary. Non-Discretionary Investment Advice to Participant-Directed Plans. The Independent Investment Fiduciary will be responsible for the following: (1) the recommendation or selection of the Eligible Investment Options to be offered by or available to the Plan; (2) the ongoing monitoring and confirmation of the continued availability of such Eligible Investment Options; (3) the recommendation or direction to remove and replace Eligible Investment Options that do not meet the Independent Investment Fiduciary’s criteria; and (4) the addition, from time to time, of new Eligible Investment Options that meet the Independent Investment Fiduciary’s criteria. We also may provide you with names of third-party administrators (“TPAs”) reviewed by Edward Jones. However, Edward Jones’ assistance in your search for TPAs is for informational purposes only as described below under “Educational Services to Participant-Directed Plans.” Edward Jones will rely on the decisions made by Client (based on the recommendations of the Independent Investment Fiduciary) or decisions made by the Independent Investment Fiduciary, if serving as a Section 3(38) investment manager. Edward Jones will only provide advice regarding Eligible Investment Options. Subject to the foregoing, Edward Jones will provide non-discretionary investment advice to Client regarding the Eligible Investment Options to be offered by the Plan, including advice regarding the selection of Plan Investments, in order to provide a broad range of investment alternatives consistent with ERISA Section 404(c) and the regulations thereunder, unless all of the Plan Investments were selected by a Section 3(38) investment manager. Retirement Plan Services for Pooled Plans Through Retirement Plan Services, Edward Jones offers the following services to Pooled Plans: (1) recommending Platform Removal of an Eligible Investment Option by your Independent Investment Fiduciary. For plans utilizing an Independent Investment Fiduciary serving as a Section 3(21) investment adviser, a Plan Investment may require replacement because your Independent Investment Fiduciary has determined that the investment is no longer an Eligible Investment Option, at which point both the Independent Investment Fiduciary and Edward Jones will disclaim all fiduciary responsibility for the investment, and it thus becomes an “Uncovered Investment.” When this occurs, your Independent Investment Fiduciary will provide a recommendation to replace the Uncovered Investment with an alternate Eligible Investment Option after providing notice to you in accordance with the Independent Investment Fiduciary’s procedures, the details of which will be found in your agreement Page 4 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Investment Fiduciary’s recommendation by removing the Uncovered Investment from your Plan Investments and replacing it with the recommended Eligible Investment Option. Providers from a set list maintained by Edward Jones that may, for example, serve as custodian, record-keeper or otherwise provide services to you; (2) recommending Independent Investment Fiduciaries from a set list maintained by Edward Jones; (3) providing non-discretionary investment advice regarding Eligible Investment Options to be selected by the Pooled Plan; (4) providing educational services to Client; and (5) providing additional services to Client. Fiduciary Services for Pooled Plans. When we recommend Platform Providers and provide non-discretionary investment advice, we are acting as a fiduciary under Section 3(21) of ERISA (“Pooled Plan Fiduciary Services”). If you choose to decline your Independent Investment Fiduciary’s replacement recommendation, you must work with your Edward Jones financial advisor to choose an alternate Eligible Investment Option. If the Uncovered Investment is not replaced within a period of time as determined and communicated by Edward Jones, Edward Jones may, in its sole discretion, provide notice of termination of the Retirement Plan Services Agreement and Edward Jones’ resignation as an Independent Investment Fiduciary to the Plan. Please refer to your agreement with your Independent Investment Fiduciary for details regarding its provision of automatic execution or automatic replacement services. Platform Provider and Independent Investment Fiduciary Recommendations to Pooled Plans. Edward Jones will assist you with your search for Platform Providers to provide custodial, investment and/or record-keeping services to the Pooled Plan. With respect to Pooled Plans, we will limit our recommendations to a select number of Edward Jones-approved Platform Providers that offer investment-related fiduciary services through an Independent Investment Fiduciary. You will not be given the option of receiving investment-related fiduciary services through Section 3(38) investment managers that exercise discretion to select all investment options for the Plan. Non-Discretionary Investment Advice to Pooled Plans. The Independent Investment Fiduciary will be responsible for the following: (1) the recommendation of the Eligible Investment Options available to the Plan; (2) the ongoing monitoring and confirmation of the continued availability of such Eligible Investment Options; (3) the recommendation to remove and replace Eligible Investment Options that do not meet the Independent Investment Fiduciary’s criteria; and (4) the addition, from time to time, of new Eligible Investment Options that meet the Independent Investment Fiduciary’s criteria. Although Edward Jones will recommend Platform Providers and Independent Investment Fiduciaries, you will be responsible for selecting the Platform Provider and Independent Investment Fiduciary. In order to participate in Retirement Plan Services, you must select and enter into separate contractual relationships with an Edward Jones- approved Platform Provider and Independent Investment Fiduciary. Edward Jones will rely on the decisions made by Client (based on the recommendations of the Independent Investment Fiduciary). Edward Jones will only provide advice with respect to the Eligible Investment Options recommended by the Independent Investment Fiduciary. We also may provide you with names of third-party administrators (“TPAs”) reviewed by Edward Jones. However, Edward Jones’ assistance in your search for TPAs is for informational purposes only as described below under “Educational Services to Pooled Plans.” Subject to the foregoing, Edward Jones will provide non- discretionary investment advice to Client regarding the Eligible Investment Options to be selected by the Plan, including advice regarding asset allocation and the selection of investments consistent with a defined benefit Pooled Plan’s investment objectives or asset class guidance for a defined contribution Pooled Plan. Platform Provider Platforms Platform Provider platforms offer investments that include mutual funds, exchange-traded funds, collective investment funds, stable value funds, money market funds and/or annuities. Although Edward Jones will recommend Plan Investments from among the Eligible Investment Options, Client (with assistance from its Independent Investment Fiduciary) or Client’s Independent Investment Fiduciary, if serving as a Section 3(38) investment manager, will be responsible for the final selection of Plan Investments. Removal of an Eligible Investment Option by your Independent Investment Fiduciary. A Plan Investment may require replacement because your Independent Investment Fiduciary has determined that the investment is no longer an Eligible Investment Option, at which point both the Independent Investment Fiduciary and Edward Jones will disclaim all fiduciary responsibility for the investment, and it becomes an “Uncovered Investment.” When this occurs, your Independent Investment Fiduciary will provide a recommendation to replace the Uncovered Investment with an alternate Eligible Investment Option after providing notice to you in accordance with the Independent Investment Fiduciary’s procedures, the details of which will be found in your agreement with your Independent Investment Fiduciary. Your Independent Investment Fiduciary will also provide “automatic execution” or “automatic replacement services.” This means that if you agree to or otherwise accept the Independent Investment Fiduciary’s replacement recommendation, your Platform Provider will automatically implement the Independent Excluded Assets. Edward Jones has no responsibility to provide any services related to the following types of Plan assets: any portion of Plan assets that are not maintained on the platform of the Platform Provider or are maintained on the platform at the direction or recommendation of a third party (the “Outside Page 5 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com estimate future retirement needs. Finally, Edward Jones may provide information about future distributions from the Plan. For Participant-Directed Plans, Edward Jones does not provide actuarial, record-keeping or plan administrative services to Clients or the Plan. Additional Services to Participant-Directed Plans When we provide additional services to Client in Participant- Directed Plans, we are not acting as a fiduciary of the Plan under ERISA. Assets”); employer securities; real estate (except for publicly traded real estate investment trusts); life insurance; brokerage accounts or mutual fund windows; participant loans; non-publicly traded partnership interests; other non-publicly traded securities or property; and other hard-to-value or illiquid securities or property (collectively with the Outside Assets, “Excluded Assets”). Edward Jones has no responsibility to provide any services related to Excluded Assets (or that otherwise take into account Excluded Assets). The Excluded Assets will be disregarded in determining the Retirement Plan Services Fee, and the Retirement Plan Services Fee will be calculated only on the remaining assets (the “Included Assets” or the “Assets” or “assets”), which may result in the Plan being subject to a higher annual fee rate (as discussed in Item 5). Educational Services to Participant-Directed Plans When we provide educational services to Client and/or Client’s employees in Participant-Directed Plans, we are not acting as a fiduciary of the Plan under ERISA. Edward Jones will conduct analysis on potential platform providers and approve certain platform providers for Retirement Plan Services. Edward Jones will review Edward Jones-approved Platform Providers on a periodic basis, including reviewing the breadth, depth and competitiveness of their product offerings; their financial strength; their risk-management capabilities; and their capabilities in the areas of wholesaling, marketing, service and operations. Edward Jones will perform periodic risk assessments of Platform Providers’ information security and business continuity/disaster recovery practices. Edward Jones will review the Independent Investment Fiduciaries that are offered by the Edward Jones-approved Platform Providers on a periodic basis, including their investment selection and monitoring processes, their financial strength, their risk- management capabilities, and their service fees. Edward Jones will review and approve new platforms, features and services to be made available to the Plan. Education of Client. Edward Jones will provide education on plan types and features and work with the Platform Provider to assist with Plan setup. In order to assist Client in the consideration of a TPA, Edward Jones may provide information on the role of TPAs to Participant-Directed Plans as well as information about the core services a TPA should provide. Edward Jones will not provide recommendations for specific TPAs for Plans. Client is responsible for selecting the TPA for the Plan. Edward Jones may also provide information on the roles of the Platform Provider, Independent Investment Fiduciary and our financial advisors as well as information about the core services they should provide. Educational Services to Pooled Plans When we provide educational services to Pooled Plans, we are not acting as a fiduciary of the Plan under ERISA. Edward Jones will provide education on plan types and features and work with the Platform Provider to assist with Plan setup. In order to assist Client in the consideration of a TPA, Edward Jones may provide information on the role of TPAs to Pooled Plans as well as information about the core services a TPA should provide. Edward Jones will not provide recommendations for specific TPAs for Plans. Client is responsible for selecting the TPA for the Plan. Edward Jones may also provide information on the roles of the Platform Provider, Independent Investment Fiduciary and our financial advisors as well as information about the core services they should provide. For Pooled Plans, Edward Jones does not provide actuarial, record-keeping or plan administrative services to Clients or the Plan. Education of Client’s employees. Edward Jones may assist Client with developing an education plan for Client’s employees as agreed to by the Plan Sponsor and Edward Jones, which may include group educational sessions or one-on-one educational meetings. Edward Jones may conduct Client employee group educational meetings upon request and as agreed to by the Plan Sponsor and Edward Jones, including enrollment meetings, financial wellness seminars and explaining general financial and investment information. This information may include risk tolerance and asset allocation, general retirement planning topics (such as income replacement ratio, inflation risk and longevity risk), and how each Plan Investment maps to an asset class Edward Jones may also conduct Client employee seminars on broad retirement planning topics, as well as other agreed-upon topics, upon request. Additional Services to Pooled Plans When we provide additional services to Pooled Plans, we are not acting as a fiduciary of the Plan under ERISA. Edward Jones will conduct analysis on potential platform providers and approve certain platform providers for Retirement Plan Services. Edward Jones will review Edward Jones-approved Platform Providers on a periodic basis, including reviewing the breadth, depth and competitiveness of their product offerings; their financial strength; their risk-management capabilities; and Edward Jones will educate Plan participants upon request about asset allocation, in which a portion or percentage of investments will be invested in various asset classes based on the Plan participant’s portfolio objective and risk tolerance (“Asset Allocation”). Asset Allocation cannot eliminate risk associated with investing, but it can help to keep a Plan participant’s account within a stated risk tolerance range. Edward Jones may, at its discretion, provide asset allocation models and interactive investment materials, such as questionnaires, worksheets, software or similar materials that enable Plan participants to Page 6 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com arrangements for fee calculation and collection may apply as agreed to by Client, Edward Jones and the Platform Provider. their capabilities in the areas of wholesaling, marketing, service and operations. Edward Jones will perform periodic risk assessments of Platform Providers’ information security and business continuity/disaster recovery practices. Edward Jones will review the Independent Investment Fiduciaries that are offered by the Edward Jones-approved Platform Providers on a periodic basis, including their investment selection and monitoring processes, their financial strength, their risk- management capabilities, and their service fees. Edward Jones will review and approve new platforms, features and services to be made available to the Plan. Item 5: Fees and Compensation When you participate in Retirement Plan Services, you pay fees to Edward Jones. The following section explains: • Who receives the fees • When you pay the fees • How the fees are calculated and paid • Potential fee offsets After June 30 of each year, the Platform Provider will provide Edward Jones with the value of the Included Assets held in the Plan for the most recently available six (6)-month period. Edward Jones will determine if the value of the Included Assets has increased (or decreased) such that a different annual fee rate will apply. In the event the value of the Included Assets has increased from the prior six-month period such that a lower annual fee rate applies, the Platform Provider will calculate the Retirement Plan Services Fee going forward using the lower annual fee rate. In the event the value of the Included Assets held in the Plan has decreased from the prior six-month period, Edward Jones will not increase the annual fee rate for purposes of calculating the Retirement Plan Services Fee without providing prior notice to you. This process will not be applicable for Plans where Edward Jones has been serving as the registered investment adviser for a period of less than six (6) months. Edward Jones relies on the value of the Included Assets held in the Plan that is provided by the Platform Provider for purposes of determining the applicable annual fee rate. Edward Jones does not review or verify the valuation information provided to us. Retirement Plan Services Fee Paid to Edward Jones Included Assets Maximum Annual Fee Rate Up to $1 million 75 bps To the extent permitted and facilitated by the Platform Provider, the Plan Sponsor may choose to pay the Retirement Plan Services Fee from the Plan Sponsor’s assets; Plan assets and/or other sources under the Plan’s or the Plan Sponsor’s ownership and control, including, but not limited to, any third-party fees attributable to the Plan’s investments. Over $1 million to $2 million 60 bps Over $2 million to $5 million 50 bps Over $5 million to $10 million 40 bps Over $10 million to $20 million 30 bps Over $20 million 25 bps If the Plan Sponsor elects to pay the Retirement Plan Services Fee with Plan assets, the Plan Sponsor will instruct the Platform Provider to calculate and pay, or facilitate the payment by the Plan’s custodian of, the Retirement Plan Services Fee owed to Edward Jones from Plan assets. Edward Jones will not accept 12b-1 fees or other revenue directly from Plan Investments. *Beginning March 27, 2026: For clients with over $20 million in Included Assets, the Retirement Plan Services Fee may be expressed as a Flat Dollar. When a Flat Dollar fee is first proposed, the initial Flat Dollar amount will be based on the Included Assets at that point in time and will not exceed the equivalent maximum Asset-Based fee above. Other Compensation Neither Edward Jones, its financial advisors nor any affiliate reasonably expects to receive any other compensation, direct or indirect, in connection with Retirement Plan Services. If Edward Jones receives any other compensation for such services (such as Rule 12b-1 fees or shareholder accounting revenue), Edward Jones will return such compensation to the Plan. The Retirement Plan Services Fee may be discounted or reduced at the sole discretion of Edward Jones. Your Retirement Plan Services Fee will be identified on your most current Edward Jones Employer Retirement Plan Disclosure document. Edward Jones’ ability to discount or reduce the fee for Clients may result in one Client paying more or less than another Client receiving the same Retirement Plan Services. The Plan Sponsor or the Platform Provider will be responsible for the decision on whether fees paid to Client from Plan Investments (such as Rule 12b-1 fees or shareholder accounting revenue) and held as Plan assets will be used to pay Plan expenses. Rule 12b-1 Fees. Some mutual fund companies or their affiliates pay Rule 12b-1 fees to the Platform Provider for distribution and marketing expenses with respect to fund investments held in the Plan. The Independent Investment Fiduciary or Client may direct the Platform Provider to pay an amount equal to the Rule 12b-1 fees received by the Platform Provider for all or a portion of the Retirement Plan Services Fee. How the Retirement Plan Services Fee is Calculated and Paid The Plan Sponsor will direct the Platform Provider to calculate the Retirement Plan Services Fee and pay Edward Jones on a periodic basis (typically, quarterly or monthly). The Retirement Plan Services Fee is calculated by the Platform Provider by multiplying the annual fee rate in the schedule above (the “Fee Schedule”) by the value of the Included Assets held in the Plan in accordance with the methodology and frequency set forth in the agreement between you and the Platform Provider. Other Page 7 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com advisory account(s). Financial advisors are eligible to participate in the Edward Jones Travel Award Program (“Travel Award Program”), which includes domestic and international travel, or a cash award in lieu of a trip. Eligibility for the Travel Award Program is based upon the amount of new and existing assets under care of a financial advisor which creates an additional conflict of interest. Shareholder Accounting Revenue. Some mutual fund companies pay shareholder accounting revenue to the Platform Provider for account record-keeping and administrative services provided by the Platform Provider with respect to fund investments held in the Plan. The Independent Investment Fiduciary or Client may direct the Platform Provider to pay an amount equal to the shareholding accounting revenue received by the Platform Provider for all or a portion of the Retirement Plan Services Fee. These financial incentives create a conflict between Edward Jones’ interest, your financial advisor’s interest, and your own. We address these conflicts of interest through disclosures you will receive at or before the time of your financial advisor’s recommendations to you. Additionally, financial advisors are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services that are appropriate in light of their financial circumstances. Additional Fees and Expenses Paid to Platform Providers and Independent Investment Fiduciaries Each Platform Provider and Independent Investment Fiduciary will charge the Plan fees and possibly expenses for their services. Please consult your agreement with your Platform Provider and your agreement with your Independent Investment Fiduciary for more information. These fees are in addition to the Retirement Plan Services Fee described above and vary depending on the particular Platform Provider and Independent Investment Fiduciary. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. Internal Fees and Expenses of Investment Options Mutual funds have internal management fees and ongoing expenses for operating the fund (internal fees and expenses) that are deducted from the fund’s assets, which has the effect of reducing the fund’s net asset value (“NAV”). Many funds have different share classes with different fees and expenses. The prospectus for each mutual fund will describe the internal fees and expenses. Additional Disclosure of Services, Fees and Other Compensation: ERISA Section 408(b)(2) Disclosure. This Brochure contains disclosures designed to assist the Plan’s named fiduciary or other responsible plan fiduciaries in determining the reasonableness of the fees and compensation Edward Jones may receive as a service provider to the Plan. Retirement Plan Services is an investment advisory program offered by Edward Jones. The services provided through Retirement Plan Services are described in Item 4 of this Brochure and in Section 2 and Appendices A and B of the Agreement. Exchange-traded funds, stable value funds and collective investment funds similarly have internal management fees and ongoing expenses. Internal fees and expenses are in addition to the Retirement Plan Services Fee described above and vary depending on the particular investment. Any internal fees and expenses charged by an investment will affect the investment performance of Plan Investments. For a description of the fees paid directly from the Plan in connection with Retirement Plan Services, please refer to “Retirement Plan Services Fees Paid to Edward Jones” above in this Item 5 and Section 3 and Appendix C of the Agreement. Edward Jones could receive compensation from sources other than the Plan, Plan participant accounts or the Independent Investment Fiduciary in connection with the accounts or services provided. For a discussion of other potential sources of compensation, see “Other Compensation” above in this Item 5. Edward Jones does not charge an additional fee upon termination of the Agreement, as described in Section 6 of the Agreement. Edward Jones and its affiliates benefit from the fees paid by Client, as further described in Item 14 of this Brochure. Financial Advisor Compensation Your financial advisor (and other Edward Jones financial advisors, to the extent they provide services to, or on behalf of, the Plan) receives a portion of the Retirement Plan Services Fee. As a result, your financial advisor has a financial incentive not to negotiate the Retirement Plan Services Fee. The portion of the Retirement Plan Services Fee paid to your financial advisor is at the discretion of Edward Jones. The fee rate paid to your financial advisor will be the same regardless of the Platform Provider or Independent Investment Fiduciary you select. As a result, your financial advisor does not have a financial incentive to recommend one provider over another. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. Item 6: Performance-Based Fees and Side-by-Side Management This section does not apply to Edward Jones. The Retirement Plan Services Fee, as well as the amount of Included Assets, may impact your financial advisor’s eligibility for a bonus. The Retirement Plan Services Fee, as well as assets under care, may also impact a financial advisors’ eligibility for the receipt of certain limited partnership profits interest in The Jones Financial Companies, L.L.L.P. (the “Profits Interest”). This eligibility to receive bonus, bonus amounts, and/or certain Profits Interest creates a conflict of interest in that your financial advisor has an incentive to recommend you invest in an investment Page 8 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com • A significant change to its personnel; Item 7: Types of Clients • A significant change in the quality of its services; or • A significant change in the reasonableness of the fees charged in light of the services provided. Edward Jones offers clients a wide range of financial services. Retirement Plan Services is designed to offer advisory services to United States corporations and other organizations sponsoring employee benefit plans subject to ERISA, such as 401(k) plans, other defined contribution plans and defined benefit plans. If a Platform Provider or an Independent Investment Fiduciary is removed from Retirement Plan Services, you must select another Edward Jones-approved Platform Provider and/or Independent Investment Fiduciary in order to continue to participate in Retirement Plan Services. However, Retirement Plan Services is not a program designed to provide advisory services to SEP IRAs, SIMPLE IRAs, owner- only 401(k) plans, governmental defined contribution plans or 403(b) plans not subject to ERISA. Other investment advisory programs may be available through Edward Jones. Contact your financial advisor for more information. There is no minimum asset requirement to participate in Retirement Plan Services. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Plan Investments As indicated above under “Non-Discretionary Investment Advice to Participant-Directed Plans” and “Non-Discretionary Investment Advice to Pooled Plans,” your Edward Jones financial advisor will recommend Plan Investments from among the Eligible Investment Options recommended or selected by the Independent Investment Fiduciary. Your financial advisor may consider quantitative factors (investment history, past performance, etc.) and qualitative factors (investment strategy) as part of the review of Eligible Investment Options. The recommendation process takes into consideration a variety of factors, each of which may be given different weight, and generally no one factor determines the outcome of any recommendation. Although Edward Jones will recommend Plan Investments from among the Eligible Investment Options, Client (with assistance from its Independent Investment Fiduciary) or Client’s Independent Investment Fiduciary, if serving as a Section 3(38) investment manager, will be responsible for making the final selections of Plan Investments, including the final selections of fund share classes of certain Plan Investments, which may vary based on the expense arrangements of the Plan. Edward Jones will not continuously monitor Plan Investments. Platform Providers and Independent Investment Fiduciaries Edward Jones evaluates and recommends the Platform Providers available in Retirement Plan Services based on several factors. The evaluation process starts with a limited universe of available Platform Providers identified by Edward Jones that offer the services of an Edward Jones-approved Independent Investment Fiduciary. Numerous quantitative (fees and expenses, number of clients, etc.) and qualitative (access to cutting-edge technologies needed to support Plan transactions, including record-keeping, Plan valuation, investment transactions, Plan participant and Plan Sponsor reporting, internet access, access to legal and compliance expertise, etc.) factors, based on the type of provider being monitored (either Platform Providers or Independent Investment Fiduciaries) are applied by Edward Jones in selecting and monitoring the Platform Providers and Independent Investment Fiduciaries. The selection and monitoring processes take into consideration a variety of factors, each of which may be given different weight in the decision- making process, and generally no one factor determines whether a Platform Provider is available in Retirement Plan Services. Risks Associated with Plan Investments Risk of Loss. All investments involve risk, and the Plan Investments will fluctuate in value and, when sold, may be worth more or less than the original cost to purchase. Diversification does not guarantee a profit or protect against loss. Client and Plan participants should consider the investment objectives, risks, and charges and expenses of each Plan Investment before deciding to invest. There is no guarantee that the Eligible Investment Options or Plan Investments will perform in any particular manner. Past performance is not a guarantee of future results. Further details about a Plan Investment can be found in its prospectus, statement of additional information, shareholder reports or annuity contract, as applicable. Edward Jones will enter into an agreement with each Platform Provider indicating that Edward Jones will act as the investment adviser to retirement plans that may, in their discretion, retain the Platform Provider to provide custodial, investment, record- keeping and/or other services. The agreement will specify certain minimum services to be provided by the Platform Provider, including developing and maintaining systems and procedures to, at Client’s direction, pay the Retirement Plan Services Fee owed to Edward Jones from the Plan. Edward Jones is not responsible for the performance of an investment, the Plan or the account of a Plan participant. Platform Providers and Independent Investment Fiduciaries undergo periodic monitoring by Edward Jones to ensure they remain suitable for Retirement Plan Services. A Platform Provider or Independent Investment Fiduciary can be removed from Retirement Plan Services for a variety of reasons, including, but not limited to, the following: Mutual Funds Risk. Mutual funds are diversified, professionally managed portfolios of securities that pool the assets of individuals and organizations to invest toward a common objective such as current income or long-term growth. Mutual Page 9 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Like mutual funds, CIFs may have a variety of investment objectives and strategies and are subject to investment and other risks. Unlike mutual funds, CIFs are not subject to the restrictions of the Investment Company Act of 1940, as amended. As a result, managers of CIFs have to disclose fund performance and the components of a portfolio only once a year, although most CIF managers communicate performance to investors on a more frequent basis. funds are subject to investment advisory, transactional, operating and other expenses. Each mutual fund is subject to specific risks, depending on its investments. The value of mutual funds’ investments and the NAV of the funds’ shares will fluctuate in response to changes in market and economic conditions, as well as the financial condition and prospects of companies and other investments in which the funds invest. The performance of a mutual fund will depend on whether the fund’s investment adviser is successful in pursuing the fund’s investment strategy. In-plan Annuities Risk. In-plan annuities are designed to provide guaranteed income payments for a specified period of time beginning at a future date, typically on or after retirement. In-plan annuity products come in many different structures and are subject to investment and other risks, so it is important for Clients and Plan participants to understand the unique features and provisions of the available options. Exchange-Traded Funds (“ETFs”) Risk. ETFs are typically registered investment companies whose shares are listed on a securities exchange. An investment in an ETF generally presents the same primary risks as an investment in a conventional mutual fund (i.e., one that is not exchange-traded) that has the same investment objective, strategies and policies. The price of an ETF can fluctuate within a wide range, gaining or losing value throughout the day. ETF performance may vary from that of its benchmark or its peers. Like mutual funds, ETFs are subject to investment advisory, transactional, operating and other expenses. Unlike mutual funds, shares of ETFs cannot be directly purchased from and redeemed by the fund. Money Market Funds Risk. Money market funds are a type of mutual fund that invests in high-quality, short-term debt securities, pays dividends that generally reflect short-term interest rates and seeks to maintain a stable NAV per share (typically $1). An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund is managed to maintain a stable NAV of $1 per share, the value of the fund may fluctuate, and you could lose money. Cybersecurity Risk. The computer systems, networks and devices used by Edward Jones and our service providers employ a variety of protections designed to protect against damage or interruption from computer viruses, network and computer failures and cyberattacks. Despite such protections, systems, networks and devices potentially can be breached. Cyberattacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data, or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods of volatility or other potentially adverse effects that could negatively impact investments. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. Those matters, as well as others not listed here, may increase risk and cause losses. Item 9: Disciplinary Information Stable Value Funds Risk. The objective of most stable value funds is to provide safety of principal and an investment return that is generally higher than a money market return, while providing participants the ability to withdraw their assets for ordinary transactions at book rather than market value. However, the ability to withdraw stable value assets at book value has limitations based on the insurance contracts that wrap the underlying assets. In addition, most stable value funds require a hold period before assets can be withdrawn from the fund by the plan sponsor at book value and may refuse to honor book value withdrawals after communications from a plan sponsor or plan fiduciaries that it determines caused participants’ withdrawals. Additionally, the plan is often restricted from offering investment alternatives or plans that are viewed as competitive with the stable value offering. Stable value funds are subject to counterparty risk of the insurers that provide the fund’s book value liquidity. Edward Jones is a registered broker-dealer and investment adviser. This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our brokerage business that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. Collective Investment Funds Risk. A collective investment fund (“CIF”), sometimes referred to as a collective investment trust or collective trust fund, is a bank-administered trust that consists solely of assets of retirement plans such as 401(k) plans and other defined contribution or defined benefit retirement plans that are qualified under the Internal Revenue Code of 1986, as amended. SEC – Municipal Bond Pricing. On August 13, 2015, Edward Jones, without admitting or denying the findings, entered into a settlement in public administrative and cease-and-desist proceedings with the SEC regarding certain of the firm’s municipal securities activities. Pursuant to the settlement, the Page 10 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. SEC alleged that Edward Jones violated Sections 17(a)(2) and (3) of the Securities Act of 1933 (“Securities Act”), Sections 15B(c)(1) and 15(b)(4)(E) of the Securities Exchange Act of 1934 (“Exchange Act”), and MSRB Rules G-17, G-11(b) and (d), G-27 and G-30(a). Edward Jones was censured and ordered to cease and desist from violating or causing any current and future violations of Sections 17(a)(2) and (3) of the Securities Act, Section 15B(c)(1) of the Exchange Act and MSRB Rules G-17, G-11, G-27 and G-30. The settlement required Edward Jones to pay $5,194,401.37 to current and former customers of Edward Jones and to pay a civil money penalty in the amount of $15,000,000. In entering into the settlement, the SEC considered remedial acts undertaken by Edward Jones related to this matter. State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. § 1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. FINRA – Mutual Fund Sales Charge Waivers. On May 5, 2015, FINRA’s Enforcement Division advised Edward Jones that it was investigating whether any violations of the federal securities laws or rules had occurred with respect to mutual fund purchases and sales charge waivers for certain retirement plan and charitable organization accounts. Prior to being advised of the investigation, Edward Jones had commenced a review of this issue and self-reported to FINRA. On October 26, 2015, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA to resolve this matter. Pursuant to the settlement, Edward Jones agreed to provide remediation to certain customers, estimated at the time of the settlement agreement to be approximately $13.5 million. A monetary penalty was not imposed by FINRA. In reaching the settlement, FINRA recognized the extraordinary cooperation of Edward Jones, including its self-reporting of the issue to FINRA. FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred Page 11 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com independence of this process and to address any conflicts of interest, we have adopted a policy under which we do not consider our opinion on equity securities of asset management companies or financial institutions in recommending Platform Providers or Independent Investment Fiduciaries. to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry. Item 10: Other Financial Industry Activities and Affiliations Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. Olive Street Investment Advisers, LLC, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of certain affiliated mutual funds, including the Edward Jones Money Market Fund. Certain current or former associates of Edward Jones serve as officers or directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. You should be aware that Edward Jones, our affiliates and our financial advisors perform services for other clients outside of Retirement Plan Services, including the execution of brokerage transactions (e.g., the purchase or sale of securities or insurance products), research, the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. Edward Jones Trust Company (“EJTC”), a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional and Roth IRAs through an agreement between Edward Jones and EJTC. Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. A conflict of interest exists where Edward Jones has an existing business relationship with the mutual fund families, sub-advisers, and/or Platform Providers and Independent Investment Fiduciaries that are recommended through Retirement Plan Services. Edward Jones receives revenue sharing payments from certain unaffiliated mutual fund families on client assets held outside of Edward Jones’ advisory programs. “Revenue sharing” generally means a mutual fund family shares with another company, like Edward Jones, a portion of the revenue it earns through managing mutual fund assets. Edward Jones’ receipt of revenue sharing outside of advisory programs creates a conflict of interest in the form of additional financial benefits to us, our financial advisors and equity owners. We believe that this conflict of interest is mitigated through internal policies designed to prevent Edward Jones, in our capacity as investment adviser, and any affiliated investment adviser, from considering revenue sharing from existing business relationships when recommending certain investment options and/or Platform Providers or Independent Investment Fiduciaries. JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. For more information regarding revenue sharing, please visit www.edwardjones.com/disclosures or request a revenue sharing disclosure document from your Edward Jones financial advisor. Edward Jones does not receive revenue sharing related to Plans participating in Retirement Plan Services. Edward Jones and our financial advisors also receive compensation for services and recommendations that may differ from advice given to you while participating in Retirement Plan Services. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Edward Jones has established a Code of Ethics to ensure that our associates: • act with integrity and in an ethical manner with you and all of our clients; In our capacity as a broker-dealer, Edward Jones performs research and distributes recommendations to buy, sell or hold the equity securities of asset management companies or financial institutions with asset management affiliates that may be recommended Platform Providers or Independent Investment Fiduciaries in Retirement Plan Services. In order to preserve the Page 12 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com • place your and all of our clients’ interests first; contribution Pooled Plan’s current investment menu in accordance with Edward Jones’ asset class guidance. • conduct personal trading in compliance with our Code of Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them; Item 14: Client Referrals and Other Compensation • comply with all applicable rules, regulations and laws; and • do not use any material nonpublic information they may receive as a result of their employment with Edward Jones. Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s accounts or changes to our advisory programs, including asset allocations. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the Retirement Plan Services Fee or the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. Edward Jones has internal supervisory reviews and procedures to review accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit financial advisors from placing trades for their personal accounts before trades for our clients in the same security. As noted in Item 12 below, the Platform Provider will be responsible for executing trades for Retirement Plan Services. Item 12: Brokerage Practices Edward Jones will not execute trades for Clients participating in Retirement Plan Services. Generally, the Platform Provider will provide trade execution services for the Plan for a fee. In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. Item 13: Review of Accounts From time to time, affiliates of Edward Jones may make and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates may influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. Your Edward Jones financial advisor will perform an annual review with you as the Plan Sponsor of a Participant-Directed Plan, which may include a review of the following: Plan goals and objectives; the Platform Provider and Independent Investment Fiduciary and fees charged by each party; current platform and services offered by the Platform Provider; Plan participation, contributions and demographics; Plan Investments; and the qualified default investment alternative (“QDIA”) selection. An affiliate of Edward Jones maintains a minority investment in Boon Business Solutions, Inc. d/b/a Aboon, a Delaware corporation and unaffiliated third party that, inter alia, provides TPA services to employee benefit plans. If a Client selects Aboon as the TPA for the Plan, our affiliate may earn indirect compensation, which creates a conflict of interest. This conflict is addressed through disclosures, our Edward Jones policy that prohibits financial advisors from recommending TPAs, and controls reasonably designed to facilitate compliance with this policy. Your Edward Jones financial advisor will perform an annual review with you as the Plan Sponsor of a Pooled Plan, which may include a review of the following: Plan goals and objectives; the Platform Provider and Independent Investment Fiduciary and fees charged by each party; current platform and services offered by the Platform Provider; Plan contributions and demographics; Plan Investments; whether a defined benefit Pooled Plan is meeting its investment objectives; and a review of a defined Page 13 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com the Retirement Plan Services Fee through the date of termination. Edward Jones does not receive compensation from Platform Providers or Independent Investment Fiduciaries participating in Retirement Plan Services. Item 17: Voting Client Securities Edward Jones will not be responsible for voting (or recommending how to vote) proxies for Clients participating in Retirement Plan Services. Client or, if applicable, Plan participants will be responsible for voting proxies of Plan Investments. Item 18: Financial Information This section does not apply to Edward Jones. Item 19: Requirements for State-Registered Advisers This section does not apply to Edward Jones. Certain unaffiliated mutual fund companies and/or ETF sponsors (or their investment advisers) and Platform Providers pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for financial advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any ETF, mutual fund, or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of recommending a Plan Investment or a Platform Provider. Our financial advisors are not allowed to consider an advisory product partner’s sponsorship of a marketing activity when recommending a Plan Investment or a Platform Provider for Retirement Plan Services. Item 15: Custody Edward Jones does not provide custody services in connection with Retirement Plan Services. Generally, the Platform Provider will provide custody services for a fee. Item 16: Investment Discretion Edward Jones has no discretion over the investment of Plan assets and has no discretion to interpret the Plan documents, to determine eligibility or participation under the Plan, or to take any other action with respect to the management, administration or any other aspect of the Plan. Edward Jones does not provide legal or tax advice. You should consult with your legal or tax professional before participating in Retirement Plan Services. You or Edward Jones may terminate your participation in Retirement Plan Services at any time by providing sixty (60) days’ prior written notice. If you terminate your contractual relationship with the Platform Provider or Independent Investment Fiduciary without selecting and entering into an agreement with an appropriate replacement Platform Provider or Independent Investment Fiduciary, Edward Jones will terminate your Agreement. Additionally, if the Platform Provider is removed from Retirement Plan Services by Edward Jones, you must contact your financial advisor and select a Platform Provider available in Retirement Plan Services. If you do not select an available Platform Provider within the time frame established by Edward Jones, Edward Jones will terminate your participation in Retirement Plan Services. If you or Edward Jones terminate your participation in Retirement Plan Services, the Plan will be charged Page 14 of 14 LGL-10077U-A-PB REV. FEB 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com