Iain Edward Mcewan

Envestnet Embedded Advisory, Inc. ("EEA", "we", "us", or "our") is an investment adviser with its principal place of business in Chicago, Illinois. EEA operates as a wholly-owned subsidiary of Envestnet, Inc. ("Envestnet"), a publicly held company founded in 1999 and whose stock is traded on the New York Stock Exchange under the ticker symbol ENV. EEA provides a digital investment advisory service (the "Program") available only through an interactive web-based application (the "App") that has been designed to be accessible within other applications, such as mobile banking and consumer apps. This allows EEA to "embed" our services into the websites and mobile applications of independent third parties (each, an "Embedder"), so that investment advisory services can be delivered directly to individuals seeking discretionary investment advice.