Our firm manages assets for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. As a fiduciary it is our duty to always act in the client’s best interest. This is accomplished in part by knowing the client. Our firm has established a service-oriented advisory practice with open lines of communication. Working with clients to understand their investment objectives while educating them about our process, facilitates the kind of working relationship we value. Our wrap fee program allows clients to pay a single fee for investment advisory services and associated custodial transaction costs. Custodial transaction costs, however, are not included in the advisory fee charged by our firm for non-wrap services, and are to be paid by the client to their chosen custodian. Depending on the client’s account or portfolio trading activity, clients may pay more for using our wrap fee services than they would for using our non-wrap services. Our recommended custodian, Charles Schwab & Co., Inc. (“Schwab”), does not charge transaction fees for U.S. listed equities and exchange traded funds. Since we pay the transaction fees charged by the Schwab to clients participating in our wrap fee program, this presents a conflict of interest because we may be incentivized to recommend equities and exchange traded funds over other types of securities in order to reduce our costs. To mitigate this potential conflict, our firm will recommend the security type that we believe to be in the client’s best interest. Our Wrap Advisory Services Wrap Portfolio Management: As part of our Wrap Portfolio Management services, Clients may be provided with standalone asset management or a combination of asset management and financial planning or consulting services. This service is designed to assist clients in meeting their financial goals through the use of a financial plan or consultation. Our firm conducts client meetings to understand their current financial situation, existing resources, financial goals, and tolerance for risk. Based on what is learned, an investment approach is presented to the client, consisting of individual stocks, bonds, ETFs, options, mutual funds and other public and private securities or investments. Once the appropriate portfolio has been determined, portfolios are continuously and regularly monitored, and if necessary, rebalanced based upon the client’s individual needs, stated goals and objectives. Upon client request, our firm provides a summary of observations and recommendations for the planning or consulting aspects of this service. In certain cases, our firm utilizes the sub-advisory

services of a separate account manager to aid in the implementation of an investment portfolio designed by our firm. Before selecting a separate account manager, our firm will ensure that the chosen party is properly registered. We will conduct initial due diligence on separate account managers and ongoing reviews of their management of client accounts. In order to assist in the selection of a separate account manager, our firm will gather client information pertaining to their financial situation, investment objectives, and reasonable restrictions to be imposed upon the management of the account. ADV Part 2A, Appendix 1 – Wrap Fee Brochure Page 5 Arlington Financial Advisors, LLC Fee Schedule: Assets Under Management Annual Percentage of Assets Charge $0 to $499,999.99 1.50% $500,000 to $999,999.99 1.00% $1,000,000 to $5,000,000 0.75% Over $5,000,000 0.50% The maximum annual fee to be charged by our firm for this service will not exceed 1.75%. Clients utilizing separate account managers will be charged an additional fee of up to 0.12% by the separate account manager. Fees to be assessed will be outlined in the advisory agreement to be signed by the Client. Annualized fees are billed on a pro-rata basis quarterly in advance based on the time-weighted daily average of accounts during the previous quarter. Our firm bills on cash unless indicated otherwise in writing. Fees are negotiable. In rare cases, our firm will agree to directly invoice. Fees and will be deducted from client account(s). As part of this process, Clients understand the following: a) The client’s independent custodian sends statements at least quarterly showing the market values for each security included in the assets and all account disbursements, including the amount of the advisory fees paid to our firm. b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our firm will send an invoice directly to the custodian. c) If our firm sends a copy of our invoice to the client, our invoice will include a disclosure urging the client to compare the information provided in our statement with those from the qualified custodian. Other Types of Fees & Expenses: The fees not included in the advisory fee for our wrap services are charges imposed directly by a mutual fund, index fund, or exchange traded fund which shall be disclosed in the fund’s prospectus (i.e., fund management fees and other fund expenses), mark-ups and mark-downs, spreads paid to market makers, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. Wrap Fee Program Recommendations: Our firm does not recommend or offer the wrap program services of other providers.