Smith, Moore and Co.’s (“Smith Moore”) principal location is in Clayton, Missouri and is a corporation organized under the laws of the State of Missouri. Smith Moore was founded in 1913 and has functioned since that time as a broker-dealer firm registered with the SEC and the Financial Industry Regulatory Authority (“FINRA”). We became registered with the SEC as an investment advisory firm in 2007. Your Smith Moore financial advisor (“advisor”) will collaborate with you to identify your investment goals, objectives, and risk tolerances to structure an investment account and an ongoing investment strategy that they believe is most appropriate for you. Smith Moore, through its advisors, manages assets on a discretionary and non-discretionary basis, for many diverse 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 best interest of our clients. Our firm has established a service-oriented advisory practice with open lines of communication. Collaborating with clients to understand their investment objectives while educating them about our process, facilitates the kind of working relationship we value. The Smith Moore wrap fee program requires clients pay a fee for investment advice of the financial advisor. Additionally, Smith Moore, the registered investment adviser, charges an administrative service charge separate from the wrap fee to cover the operational, non- execution expenses associated with offering the Smith Moore wrap program. Because our firm assesses this administrative service charge, an incentive exists to promote the services of the Smith Moore wrap program and to trade in client accounts for the generation of revenue that directly benefits Smith Moore. These incentives create conflicts of interests that Smith Moore manages through its compliance oversight program. In our capacity as an investment adviser, we contract the services of the Royal Bank of Canada Clearing & Custody (“RBC”) as the custodian of our client accounts. RBC will hold your investment assets and will issue transaction confirmations and account statements reflecting the activity in your account. The account(s) will bear certain custodial costs of RBC as described in Other Types of Fees and Expenses. Depending on the account of the client or its portfolio trading activity, clients may pay more for using our wrap fee services than they would for obtaining execution and other services separately. Your advisor can assist you in obtaining this information on the use of wrap services as may be necessary. ADV Part 2A, Appendix 1 – Wrap Fee Brochure Page 5 Smith, Moore & Co. Our Wrap Advisory Services Portfolio Management: Our portfolio management service encompasses asset management as well as providing financial planning and financial consulting to clients. It is designed to assist clients in meeting their financial goals using financial investments. We conduct at least one, but sometimes more than one meeting with clients to understand their current financial situation, existing resources, financial goals, and tolerance for risk to propose an investment account and an ongoing investment strategy your financial advisor believes is most appropriate for you. We may propose an investment portfolio, consisting of stocks, mutual funds, exchange- traded funds (“ETFs”), corporate and government bonds, options and alternative investments such as limited partnerships, structured products, interval funds and real estate investment trusts (“REITs”). Upon the client’s agreement to the proposed investment plan, we work with the client to establish or transfer investment accounts so that we can manage the client portfolio. Once the relevant accounts are under our management, we review such accounts on a regular basis and at least quarterly. We may periodically rebalance or adjust client accounts under our management. If the client experiences any significant changes to their financial or personal circumstances, it is imperative the client notify us so we can consider such information in managing the investments and strategy. Fee Schedule: a) The minimum and maximum annual fee for investment advice to be charged to the client’s account(s) will generally range between 0.5% (one-half of a percent) and 3.0% (three percent) and will not exceed 3.0%. The fee to be assessed to each account will be detailed in the client’s signed advisory agreement with Smith Moore. b) Our fees are negotiable at our sole discretion. Factors that could affect the amount of the fees we charge include but are not limited to: (a) the amount of assets to be managed, (b) the types of investment assets to be managed, (c) the complexity of your portfolio, and (d) the size and number of other accounts maintained with us by you and/or your family members. c) Smith Moore charges our investment management fees “in arrears,” meaning that we charge our fees after we have provided our services to you. Because our fees are charged quarterly, they are calculated based on the number of days during the quarter that our advisory agreement with you was in effect. d) You provide authorization permitting the calculated fees to be paid by the terms detailed herein and within your investment advisory

agreement. e) You are encouraged to review your RBC statements to verify the accuracy of the calculation of our fees. ADV Part 2A, Appendix 1 – Wrap Fee Brochure Page 6 Smith, Moore & Co. Smith Moore Administrative Service Fee In addition to the fee for investment advice by your financial advisor, which is an asset-based fee, client(s) participating in the Smith Moore wrap program will additionally pay an administrative service charge. This service charge is retained by Smith Moore and is not generally an additional form of compensation to your financial advisor. Rather, this fee supports the operational expenses of Smith Moore in providing the wrap program to its clients. This charge is $5.50 and is assessed on a transactional basis for all trade activity within the wrap program account except in the instances of periodic investment plans (‘PIPs”), systematic withdrawal investment plans (SWIPs), and same family mutual fund exchanges. This charge is noted on your trade confirmations for additional clarity and understanding. Because our firm assesses this administrative service charge, an incentive exists to promote the services of the Smith Moore wrap program and to trade in client accounts for the generation of revenue that directly benefits Smith Moore. These incentives create conflicts of interests that Smith Moore manages through its compliance oversight program. Other Types of Fees & Expenses: In addition to our advisory fees above, Clients may also pay charges imposed by the chosen investments, charges imposed directly by a mutual fund, index fund, exchange traded fund, and other investments which shall be disclosed in the fund’s prospectus (i.e., fund management fees, initial or deferred sales charges, mutual fund sales loads, surrender charges, variable annuity fees, and other fund expenses). Smith Moore does not receive a portion of these fees. Smith Moore does receive compensation as part of their clearing agreement with RBC, from mutual fund networking fees, annual IRA account fees, bank deposit, margin, money market, credit interest, margin and credit access line programs. Smith Moore does not utilize funds that impose 12(b)-1 fees within its wrap program. In any instance where a 12(b)-1 fee has been assessed to an account within the program, Smith Moore will ensure a proper refunding event occurs. RBC will charge additional items related to their services provided as custodian to your account(s). These charges may include items such as:  Custodial fees.  Transaction-related fees (i.e., wire transfer fees or transfer taxes) ADV Part 2A, Appendix 1 – Wrap Fee Brochure Page 7 Smith, Moore & Co.  Credit access line interest  IRA and Qualified Retirement Plan Fees.  Other fees and taxes applicable to certain accounts and transactions. Mutual Fund Share Class Selection: Mutual funds typically offer multiple share classes available for investment based upon certain eligibility and purchase requirements. For instance, in addition to the more commonly offered retail mutual fund share classes (typically, Class A, B and C shares), mutual funds may also offer institutional, or advisor share classes (the “lower cost share classes”) or other share classes designed for purchase in an account enrolled in investment advisory programs. These lower cost share classes usually have a lower expense ratio than other shares classes. In addition, lower cost share classes often do not charge a 12(b)-1 fee. Smith Moore will utilize the most appropriate mutual fund share classes available with RBC for its portfolio allocations in support of its fiduciary duty to recommend options in the best interest of its client(s). Smith Moore does not receive or accept 12(b)-1 fees on its advisory accounts and any 12(b)-1 fees incorrectly received will be rebated back to the affected account(s). Clients, when participating in our wrap program, should understand that a transaction charge for mutual fund and exchange traded fund (“ETF”) purchases and redemptions may occur in accordance with the custodial agreement. The transaction charge varies depending on the amount of recordkeeping fees received by RBC from the mutual fund or ETF and/or whether the sponsor of the mutual fund or ETF participates in a No Transaction Fee (“NTF”) Network. When an NTF mutual fund or ETF is purchased in a client’s account, the NTF fund’s sponsor directs a payment to RBC on behalf and for the benefit of the client that is used exclusively as a credit to defray the transaction charge obligations of the client’s account. When an NTF fund is sold, the custodian / broker-dealer waives the transaction charge to the account. Clients also should be aware that NTF funds may have higher ongoing internal expenses that can be used to offset payments made by sponsors for transaction charge waivers, and this can reduce the investment returns over time relative to other share classes of the same fund. If the account is being managed directly by an IAR of Smith Moore, the due diligence and evaluation of share class will be the responsibility of the IAR. Wrap Fee Program Recommendations We do not recommend or offer the wrap program services of other providers. ADV Part 2A, Appendix 1 – Wrap Fee Brochure Page 8 Smith, Moore & Co.