This Wrap Fee Brochure describes information that clients may need in order to evaluate Fountaindale’s Wrap Fee Program, including its services and fees. Additional information about Fountaindale can be found through the SEC website at www.adviserinfo.sec.gov. Types of Advisory Services When Fountaindale acts as investment adviser, it enters into a written investment management agreement with each of its advisory clients. Such agreements include provisions covering the client’s management fees, proxy voting, investing strategy, and termination rights. While specific information is found in this agreement, our services are generally described in this Item in the sections below. Wrap Fee Program Fountaindale’s advisory services consist of portfolio management and investment advice to clients under a Wrap Fee Program. A Wrap Fee Program is an investment program where the investor pays a single fee that includes management fees, transaction costs, and other administrative fees. Fountaindale will pay transaction and other charges to third party service providers in a manner described in greater detail in this Item in the sections below. Though this arrangement creates a conflict of interest for Fountaindale to avoid transactions in the wrap account in order to avoid transaction charges, we ensure that appropriate transactions are undertaken regardless of the costs to us through our fiduciary duty and Code of Ethics that are described in Item 9 – Additional Information of our ADV Part 2A Brochure. Services Offered by Fountaindale Fountaindale offers investment advice for all Wrap Fee Program accounts, and Fountaindale’s investment advisory services are offered to clients which are described in further detail in in Fountaindale’s Form ADV Part 1 and in Item 7 – Types of Clients of our ADV Part 2A Brochure. We provide investment advice to clients under this Wrap Fee Program using an online interface that utilizes algorithm-based advice as opposed to in-person advice. Fountaindale has discretionary authority over client accounts. This means that we are allowed to purchase and sell securities on the client’s behalf without consulting the client for each transaction. We execute these activities based on the stated objectives and other investment-relevant criteria. This authority is ongoing, and it may be triggered by changes to the client’s circumstances as communicated to us and/or changes in the market. Our automated investment solutions are generated through a review of each client’s circumstances, goals, and preferences through a website-based questionnaire. This review may include assets, investment objectives, risk tolerance, overall financial health, income, tax status, and other factors that are particular to the individual client’s situation and goals. Fountaindale generally is responsible for investing and re-investing the assets of each client account in harmony with the client’s investment objectives and policies. Fountaindale works with clients through an online interface to formulate appropriate and agreed-upon investment guidelines. We will also use the information gathered through this interface to determine the feasibility of monitoring proposed restrictions and limitations. With this collected information, Fountaindale tailors its investment advice to the specific needs of its clients, all of which is subject to the client’s investment restrictions documented by Fountaindale. Fountaindale is able to tailor investment advice within the framework of its online services. Should a client’s needs or objectives

change, a client should appraise Fountaindale of these changes to ensure that investment advice remains suitable. Sometimes a client may request changes that result in a restriction of the client’s investment portfolio. Such changes could create worse performance results than clients with unrestricted portfolios and similar objectives. Fountaindale reserves the right to reject or terminate any client that seeks restrictions which Fountaindale is unable to implement for any reason. Fees and Compensation Clients participating in the Wrap Fee Program will be charged a single wrap fee. Fountaindale will wrap third party fees (i.e., custodian fees, brokerage fees, transaction fees, etc.) for wrap fee accounts. Our fees are described below. Fountaindale charges each client a negotiable fee based on the percentage of assets under its management (“AUM”). For all AUM, we charge 1.5%. Fees are assessed on a quarterly basis in arrears based on the portfolio value. These fees are withdrawn directly from the client’s account only with the client’s express and written authorization. One potential conflict of interest is that the more assets there are in a client’s advisory account, the more a client will pay in fees, and we may therefore have an incentive to encourage the client to increase the assets in the client’s account. Advisory fees are Fountaindale’s only form of compensation from its clients that participate in the Wrap Fee Program. Fountaindale clients pay no sales charges or commissions. All portfolio management services offered in the program are provided by Fountaindale. For this reason, no portion of the annual fee is paid to outside portfolio managers. Compensation received by Fountaindale for the Wrap Fee Program may be greater or less than the client’s costs depending on factors like the trading activity in the client’s account or whether the client paid separately for those fees included in the Wrap Fee Program. This may create an incentive for Fountaindale to recommend the wrap fee program to its clients. Other Possible Fees Certain fees are not included in the wrap fee and are paid for separately by the client. These may include, but are not limited to: mutual fund expenses; mark-ups, mark- downs, or spreads paid to market makers; taxes, duties, and other governmental charges; fees that the client pays when using different custodians or broker-dealers; foreign exchange transaction fees; charges by Sukuk ETFs (a type of fixed income instrument) or other exchange-traded funds; transfer and registration fees; wire transfer and electronic fund fees; and other fees and taxes. Custodian Fees For custodial services, Fountaindale may use a number of firms to meet our clients’ needs. Fees that are charged by the custodian are more fully explained in the separate agreement between client and the custodian. Generally, however, clients may be charged the following fees from their account custodian or executing broker: odd-lot differentials; short term redemption costs; costs charged by the fund managers to shareholders of mutual funds and exchange traded funds; charges for transactions for those assets not executed through the custodian; American Depository Receipt costs; costs associated with currency exchange; or other costs required by law. The client will be charged for non-standard service fees that result from any of the client’s special requests, including overnight courier fees. Account custodians may also charge clients account transfer and/or termination fees. Administrative costs for retirement accounts and any platform (technology) fees are paid directly by the client, unless alternative arrangements have been made.