A Financial Forum, Inc. (“Financial Forum” “we” or “us”) is a registered investment advisor located in Spokane, Washington and registered with the SEC since March 2020. Financial Forum is owned by Jeff Comstock and Landy Comstock. Under this Wrap Fee Program, Financial Forum serves individuals and businesses in all areas of investment management (which includes buying and selling of investments) and financial planning, including asset management, investment consulting, education funding, risk management, tax management, retirement planning, estate planning services, and employee and executive benefits. While we do not provide tax or legal advice, we provide a full range of services coupled in coordination with other advisors such as attorneys and Certified Public Accountants. Under this Wrap Fee Program, Financial Forum charges Clients annual fees for investment advisory services as follows: Fees are generally not negotiable. For Clients in the Wrap Fee Program, the Advisory Fee noted on their Advisory Agreement covers typical commissions charged by the custodian hold the Client accounts. B In determining whether to establish an account under our Wrap Fee Program, you should be aware that the overall cost to you of the program may be higher or lower than you might incur by purchasing separately, or unbundled, the types of securities available in the program. In order to compare the cost of the program with unbundled services, you should consider the turnover rate in our investment strategies, trading activity in the account and standard advisory fees and brokerage commissions that would be charged at our custodian, or at other broker‐dealers and investment advisors. Depending upon the percentage wrap fee charged by our firm (as described more fully above), the amount of portfolio activity in your account, and the value of custodial and other services provided, the wrap

fee may or may not exceed the aggregate cost of such services if they were to be provided separately and/or if we were to negotiate transaction fees and seek best price and execution of transactions for your individual account. In as much as the execution costs for transactions effected in your account will be paid by our firm, a conflict of interest arises in that we may have a disincentive to trade securities in your account. C Clients that are enrolled in the Wrap Fee Program will still be required to pay certain fees including: (1) The Client’s proportionate share of any internal mutual fund’s fees and charges; (2) The Client’s proportionate share of internal fees and expenses of exchange‐traded funds such as fees and expenses for investment advisory services, administration, and other fund‐level expenses; (3) Client charges imposed by the Client’s current custodian (e.g., a transfer or termination fee) before the assets are transferred to Financial Forum; (4) Client charges imposed by Financial Forum’s custodian (e.g., a transfer or termination fee) before the assets are transferred from Financial Forum; (5) Client charges necessary to liquidate incoming positions into our recommended portfolio. D Financial Forum and its investment advisor representatives receive compensation because of your participation in the Wrap Fee Program. This compensation may be more than the amount Financial Forum and its investment advisor representatives would receive if you paid separately for investment advice, brokerage, and other services. Accordingly, a conflict of interest exists because Financial Forum and its investment advisor representatives have a financial incentive to recommend the program. Advisory Fee Assets Managed 1.25% on the first $500,000, plus 1.00% on the next $2,500,000, plus 0.85% on the next $2,000,000, plus 0.70% on amounts over $5,000,000