Omega Financial Group’s Wrap Fee Program is an investment advisory program sponsored by Omega Financial Group LLC, an independent registered investment adviser with the Securities and Exchange Commission. A wrap fee program allows our clients to pay a specified fee for investment advisory services and the execution of transactions. The advisory services may include portfolio management and/or advice concerning selection of other advisers, and the fee is not based directly upon transactions in your account. Your fee is bundled with our costs for executing transactions in your account(s). This may result in a higher advisory fee to you. We do not charge our clients higher advisory fees based on their trading activity, but you should be aware that we may have an incentive to limit our trading activities in your account(s) because we are charged for executed trades. By participating in a wrap fee program, you may end up paying more or less than you would through a non-wrap fee program where a lower advisory fee is charged, but trade execution costs are passed directly through to you by the executing broker. We recommend that clients custody their accounts with Charles Schwab & Co., Inc. (“Schwab”) or Fidelity Brokerage Services (“Fidelity”). Schwab does not charge transaction fees for U.S. listed equities and exchange traded funds. Fidelity does not charge transaction fees for U.S. listed equities and exchange traded funds to clients who opt into electronic delivery of statements or maintain at least $1 million in assets at Fidelity. Since we pay the transaction fees charged by the chosen custodian to clients participating in our wrap fee program, we are incentivized to recommend U.S. listed equities and exchange traded funds over other types of securities in order to reduce our costs. To mitigate this conflict, our firm will recommend the type of security that we believe to be in the client’s best interest. Wrap Fee Program Our Wrap Comprehensive Portfolio Management service encompasses asset management as well as providing financial planning/financial consulting to clients. It is designed to assist clients in meeting their financial goals through the use of financial investments. We conduct at least one, but sometimes more than one meeting (in person if possible, otherwise via telephone conference) with clients in order to understand their current financial situation, existing resources, financial goals, and tolerance for risk. Based on what we learn, we propose an investment approach to the client. We may propose an investment portfolio, consisting of exchange traded funds, mutual funds, individual stocks or bonds, or other securities. 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’s 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

his/her financial or personal circumstances, the client must notify us so that we can consider such information in managing the client’s investments. Fee Schedule We charge an advisory fee of 1.50% of assets under management for our Wrap Comprehensive Portfolio Management service. Accounts over $2,000,000 may be subject to a lower fee percentage based on the complexity of the services offered. Our firm requires a minimum account balance of $1,000,000 for our Wrap Comprehensive Portfolio Management service. This minimum account balance requirement is negotiable and may be waived for individuals who are active accumulators. Our firm’s fees are billed on a pro-rata annualized basis monthly in advance based on the value of your account on the last day of the previous month. The Client may make additions to the Account at any time. Additional assets received into the Account after it is opened will be included in the fee calculation for the following month. The Client may withdraw Account assets upon notice to the Adviser, subject to the usual and customary securities settlement procedures. No fee adjustments will be made for partial withdrawals or for Account appreciation or depreciation within a billing period. Unless indicated otherwise in writing, our firm bills on cash. Upon the client’s authorization, a qualified custodian will deduct advisory fees from the client’s account and pay directly to our firm the management fee for each calendar year month. The custodian will send clients a monthly statement showing all amounts paid from the account, including all management fees paid by the custodian to our firm. Other Types of Fees & Expenses You may pay custodial fees, 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. These fees are not included within the wrap-fee you are charged by our firm. Our investment advisory representatives receive a portion of the advisory fee that you pay us, either directly as a percentage of your overall fee or as their salary from our firm. In cases where our investment advisory representatives are paid a percentage of your overall advisory fee, this may create an incentive to recommend that you participate in a wrap fee program rather than a non-wrap fee program (where you would pay for trade execution costs) or brokerage account where commissions are charged. This is because, in some cases, we may stand to earn more compensation from advisory fees paid to us through a wrap fee program arrangement if your account is not actively traded. Terminations and Refunds Either party may terminate the advisory agreement signed with our firm at any time. Upon notice of termination, our firm will process a pro-rata refund of any unearned portion of the advisory fees charged in advance.