Mainstar Trust (formerly known as First Trust Company of Onaga) is a limited purpose trust company chartered in the state of Kansas. Mainstar Trust (Mainstar) provides custody services for various self-directed investment retirement accounts (“IRAs”), including Traditional, Roth, SEP, SIMPLE, Education/Coverdell IRAs and Health Savings Accounts.

Operating for over 35 years, Mainstar currently provides custody services for over 110,000 IRAs with more than $8 billion in assets.

Mainstar serves only as custodian and does not offer any investment advice. It does not sell, sponsor, guarantee, endorse, accredit, certify or back any investments. Its accountholders direct all of their investment choices and are therefore responsible for the performance of their accounts.

Mainstar is regulated by the Office of the State Bank Commissioner of Kansas (OSBC). The OSBC regulates all state chartered banks and trust companies in Kansas with the primary objective of ensuring the safety and soundness of state-chartered financial institutions, thereby safeguarding depositors’ assets and maintaining public confidence. As required by Kansas regulations, Mainstar’s business is subject to an annual “agreed upon procedures” evaluation conducted by an independent CPA who reviews and reports on items set forth in the Kansas regulations. These reports are available to the OSBC for inspection.

Mainstar partners with select IRA services companies (“Administrators”) across the country to jointly service self- directed IRAs. Mainstar has access to all records and assets of accountholders for which it serves as custodian, including those jointly served. The Administrator may act as Mainstar’s agent, but ultimate control of the assets held on behalf of the accountholder, including cash, rests with Mainstar as the custodian. Account asset ownership documentation is held primarily in Mainstar’s vault.

Mainstar’s Trust Committee and Board of Directors oversee the services provided by Administrators through an Administrative Oversight Committee (AOC) composed of Administrator staff as well as Mainstar management and compliance officers. Administrators provide monthly reports for and attend the mandatory monthly AOC meeting to review activities, approve policy changes and provide ongoing oversight feedback. Mainstar management also regularly reviews information from third parties and periodically visits Administrator’s offices to ensure that each Administrator is following required procedures and best practices.