When you open an account, we are required to collect information such as the following from you: ➤ Your name ➤ Date of birth ➤ Address ➤ Identification number ➤ U.S. Citizen: taxpayer identification number (social security number or employer identification number) - ➤ Non-U.S. Citizen: taxpayer identification number, passport number, and country of issuance, alien identification card number, or government issued identification showing nationality, residence, and a photograph of you. You may also need to show your driver’s license or other identifying documents. A corporation, partnership, trust or other legal entity may need to provide other information, such as its principal place of business, local office, employer identification number, certified articles of incorporation, government-issued business license, a partnership agreement, or trust agreement. U.S. Department of the Treasury, Securities and Exchange Commission, FINRA, and New York Stock Exchange rules already require you to provide most of this information. These rules also may require you to provide additional information, such as your net worth, annual income, occupation, employment information, investment experience, objectives and risk tolerance. To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. This Notice answers some questions about the firm’s Customer Identification Program. We may not be able establish a relationship or carry out transactions for you. We thank you for your patience and hope that you will support the financial industry’s efforts to deny terrorists and money launderers access to America’s financial system. Should you have any additional questions concerning our customer identification program, you may submit a written request for additional information to our Chief Compliance Officer, Carlos Lane at Clane@ceibafin.com or call at (949) 688-4218

Ceiba Financial, LLC collects nonpublic personal information about you and your firm from the following sources: ➤ Information we receive from you on applications or other forms; ➤ Information about your transactions with us or others; and ➤ Information we may receive from a consumer reporting agency. We do not disclose any nonpublic personal information about you or your company to anyone, except as permitted by law. If you decide to cease conducting business with us for any reason, we will adhere to the privacy policies and practices as described in this notice. Ceiba Financial restricts access to your personal and business information to those employees and associates who need to know that information to provide products or services to you. Ceiba Financial maintains physical, electronic, and procedural safeguards to guard your nonpublic personal and business information.

Customer Relationship Summary Helping you make an informed decision Introduction Ceiba Financial, LLC (“Ceiba Financial”) is registered with th Securities and Exchange Commission ("SEC") as a broker-dealer and is a member firm of the Financial Industry Regulatory Authority ("FINRA") and the Securities Investor Protection Corporation ("SIPC"). Brokerage and investment advisory services and fees differ, and it is important for retail investors to understand these differences. Free and user-friendly tools are available for you to use at https://www.investor.gov/CRS, a website maintained by the SEC. These tools provide educational materials about broker-dealers, investment advisers, and investors. This relationship summary offers information to help you make an informed decision about investing with us. It covers the following key questions: ➤ What investment services do you provide? ➤ What fees will I pay? ➤ What are your legal obligations when providing recommendations as a broker-dealer? ➤ How does the firm make money, and what conflicts of interest do you have? ➤ How do your financial professionals make money? ➤ Do you or your financial professionals have any legal or disciplinary history? ➤ Where can I find additional information? Terms to know A broker-dealer is a firm that acts as an intermediary between buyers and sellers of securities and typically receives a commission for their services. This can include transactions involving public or private companies. What Investment Services Can You Provide Me? Ceiba Financial offers advisory services for mergers and acquisitions, project finance and project development and corporate growth strategies. The Firm may also participate in private placements of debt and equity as a placement agent. Ceiba Financial’s engagement will be directly with the buyer or seller in a transaction. There is no compensation paid to Ceiba Financial by the counterparty. Ceiba Financial does not make recommendations to retail investors. Ceiba Financial does not provide ongoing monitoring and there are no limitations to engaging our services. Additional detailed information about these services is available at: https://www.ceibafin.com/ Brokerage Services As an advisor in mergers and acquisitions, Ceiba Financial works with corporate clients to provide guidance on buying and selling businesses. The Firm provides strategic advice on financial considerations and operational tactics to help clients navigate M&A transactions and develop growth strategies. In sell-side advisory roles, Ceiba Financial assists in identifying potential buyers, facilitating negotiations, and offering impartial advice during bid evaluations. In acquisitions, Ceiba Financial evaluates potential targets, provides valuation analyses, and presents financial and strategic alternatives. Counsel is provided on aspects like timing, structure, financing, pricing, and negotiation through deal closing. Ceiba Financial acts as a placement agent to facilitate private placement of debt and equity. The Firm connects clients with traditional investors and non-traditional capital partners to secure competitive financing or raise capital. Assistance is provided with marketing, presentation, and strategy development to help clients secure the right funding for their needs. Investment Advisory Service Ceiba Financial does not offer investment advisory services. Conversation corner Questions you might wish to ask when. considering our services: ➤ Given my financial situation, should I choose a brokerage service? ➤ Why or why not? ➤ What is your relevant experience, including your licenses, education, and other qualifications? ➤ What do these qualifications mean? What Fees Will I Pay? Ceiba Financial may charge hourly fees for advisory services or implement a retainer and/or success fee based on the closing of the transaction. Additional fees such as a “break-up fee” or a “tail fee” may apply if the transaction closes within a defined period after the engagement. The Firm may also be reimbursed for certain expenses related to the transaction. The engagement letter will specify relevant fees and expenses as agreed upon by the parties involved. Ceiba Financial will assess a placement agent fee for successful private placement transactions. This fee will be disclosed in the respective offering documents. Brokerage Services Fees The fees outlined above are specific to each engagement or placement and do not conform to a set schedule. In addition to these fees, Ceiba Financial offers additional services for a negotiated fee per engagement. These services may include transaction structuring, distressed financing, succession planning, and assisting in due diligence. Ceiba Financial does not receive compensation from the counterparty in any transaction or engagement. If a conflict of interest is identified, Ceiba Financial will take steps to mitigate or disclose it as needed. If necessary, the conflict of interest will be reviewed at the next Board of Director’s meeting. Other Fees and Costs No additional fees or costs are charged or incurred. You will be responsible for fees and costs regardless of whether your investments make or lose money. These fees and costs will reduce the overall amount of money you earn from your investments. It is important to fully understand the fees and costs you are paying. Conversation corner Questions you might wish to ask when considering our services: ➤ Help me understand how these fees and costs might affect my investments. ➤ How might your conflicts of interest affect me, and how will you address them? What Are Your Legal Obligations To Me When Providing Recommendations As A Broker-Dealer? How Else Does The Firm Make Money And What Conflicts Of Interest Do You Have? Standard of Conduct It is important for you to understand and inquire about conflicts of interest as they can impact services we offer. Here is an example to illustrate this concept: If Ceiba Financial represents a selling party through an engagement letter, a conflict of interest may arise. This conflict could stem from Ceiba Financial’s motivation to close a transaction to earn a success fee, while the seller’s desire is to achieve the best possible outcome. Examples of Ways We Make Money and Conflicts of Interest. Ceiba Financial earns money from either hourly fees or a retainer and success fee, which is only paid if the transaction successfully closes. There is an incentive for Ceiba Financial to close more transactions to earn the retainer and success fee. To address this conflict of interest, we disclose it on our Form CRS and outline it in your engagement letter. Furthermore, conflicts are reviewed by the Firm’s management and appropriate measures are taken to mitigate or disclose them. If necessary, a conflict of interest may be escalated to the attention of the Firm’s Board of Directors. Conversation corner Questions you might wish to ask when considering our services. ➤ As a financial professional, do you have any disciplinary history? ➤ For what type of conduct? ➤ Who is my primary contact person? ➤ Is he or she a representative of an investment adviser or a broker-dealer? ➤ Whom can I talk to if I have concerns about how this person is treating me? How Do Your Financial Professionals Make Money? Ceiba Financial’s professionals receive compensation throug salary and periodic bonuses. Do You Or Your Financial Professionals Have A Legal Or Disciplinary History? For information on any disciplinary history of Ceiba’s professionals you can utilize free tools like FINRA’s BrokerCheck and the SEC’s investor.gov/CRS to research the background and experience of financial brokers, advisers, and firms. Where Can I Find Additional Information? For more information or to request a copy of this relationship summary, please contact us at: 1831 Lexington Drive Fullerton, CA 92835 Phone: (949) 688.4218 Email: Clane@ceibafin.com