ShariaPortfolio is the sponsor of the Express wrap fee program. Our wrap fee program allows you to pay a single fee that covers advisory services, trade execution, custody, and other standard brokerage services. The investment advice provided by ShariaPortfolio is variable depending upon the desires, investment objectives, and other preferences of the client and in accordance with a written Investment Advisory Agreement entered into between ShariaPortfolio and the client. ShariaPortfolio offers investment advisory services, which encompasses portfolio management as well as providing financial consulting/financial planning to clients and is designed to assist clients in meeting their financial goals through the use of financial investments. ShariaPortfolio will conduct one or more meetings (in person, if possible, otherwise via telephone conference) with the client in order to understand the client’s current financial situation, existing resources, financial goals, and tolerance for risk. Based on this information ShariaPortfolio will recommend an investment approach to the client. Upon written execution of the Investment Advisory Agreement, ShariaPortfolio will work with the client to establish or transfer investment accounts so that the Firm is able to manage the client’s portfolio. ShariaPortfolio may periodically rebalance or adjust client accounts under its management. Investment advisory recommendations are based on the client’s financial situation and investment objectives at the time the services are provided and are based on financial information disclosed by the client. ShariaPortfolio will periodically contact clients to determine whether any changes have occurred to their overall objectives and/or situation. However, if the client experiences any significant changes to their financial or personal circumstances, it is the client’s responsibility to timely notify the Firm so that such information can be used in managing the client’s portfolio and determining if changes are necessary. In addition, ShariaPortfolio does not assume any responsibility for the accuracy of the information provided by clients. Clients are advised that certain assumptions may be made with respect to interest and inflation rates and past trends and performance of the market and economy. Past performance is in no way an indication of future performance. A. Services under the Wrap Fee Program ShariaPortfolio’s Wrap Program, known as the “Express Program” (the “Program”) is an advisory program sponsored by ShariaPortfolio. ShariaPorfolio is registered as an investment advisor with the SEC under the Investment Advisers Act of 1940, as amended, and is a Florida corporation. The Program is available online only via a dedicated website and offers clients investment strategies that consist of diversified model portfolios that are managed on a discretionary basis. ShariaPortfolio provides administration and related services for the Program. ShariaPortfolio provides portfolio management services for Program accounts on a discretionary basis consistent with clients’ chosen investment strategy. Charles Schwab & Co., Inc, member FINRA/SIPC/ (“Schwab“), a separately owned and unaffiliated SEC-registered broker-dealer and FINRA member, acts as the qualified custodian for Program accounts and provides trade execution and related services for Program accounts. The Program is a digital investment platform option designed for clients who are in the early stages of accumulating savings or otherwise wish to utilize a digital investment platform. The Program has been developed in partnership with unaffiliated third parties, whereby ShariaPortfolio licenses software, tools and services that are made available to our clients. The Firm will determine whether the Program is suitable for each client before permitting the client into the Program. Clients give investment discretion to ShariaPortfolio to manage their account and make trades in their account. Clients may request that certain securities be excluded from their account, but ShariaPortfolio is not required to accept account restrictions that it deems unreasonable. A request to exclude certain securities from a client’s account may result in delays in the management of the account and a client may be notified that the account cannot be managed with the requested investment restrictions. Clients should carefully consider whether their participation in the Program is appropriate for their investment needs and goals. Clients can change their investment strategy by contacting ShariaPortfolio and completing a new assessment. Clients within the Program can communicate with ShariaPortfolio via electronic channels (i.e., email), the ShariaPortfolio office, and via telephone. Schwab’s Brokerage Services: In addition to the advisory services, the wrap fee program includes certain brokerage services of Charles Schwab & Co., Inc. (“Schwab”) a broker-dealer registered with the Securities and Exchange Commission and a member of FINRA and SIPC. We are independently owned and operated and not affiliated with Schwab. Schwab will act solely as a broker-dealer and not as an investment advisor to you. It will have no discretion over your account and will act solely on instructions it receives from us [or you]. Schwab has no responsibility for our services and undertakes no duty to you to monitor our firm’s management of your account or other services we provide to you. Schwab will hold your assets in a brokerage account and buy and sell securities and execute other transactions when we [or you] instruct them to. We do not open the account for you. B. Fees We charge a single asset-based fee for services covered by the wrap program. The maximum fee charged for the program is set forth below. The client agrees to pay a management fee relating to the Express Program quarterly, in advance. The Express Program and its fee are different and separate from our Access Program and its fee or our other advisory services. Please refer to Form ADV Part 2A for details. The Company charges the following management fees for assets managed under the Express Program: Assets Under Management Annual Advisory 0 to $500,000 .75% $500,000 to $1,000,000 .60% $1,000,001 to $5,000,000 .50% > $5,000,000 .40% Mutual Fund/ETF Portfolios .50% The Express Program fee includes ShariaPortfolio’s portfolio management services and administration services as well as Schwab’s trade execution, custody, and related services. To the extent that cash used by clients to fund their Program accounts comes from redemptions of mutual fund shares, exchange traded fund (“ETFs”) or other investments outside of the Program, there may be tax consequences or additional costs from sales charges previously paid and redemption fees incurred. The fees that clients pay directly and indirectly in the Program may be more or less than they would pay if they purchased separately the types of services in the Program. Clients may be able to obtain some or all of the types of services available through the Program on a stand-alone basis from other firms. Factors that bear upon the cost of the Program in relation to the cost of the same services purchased separately include, among other things, the type and size of the account (and other accounts that clients may be able to combine to determine fee break points), the historical and expected size or number of trades for an account, and the number

and range of supplementary advisory and other services provided to an account. As ShariaPortfolio absorbs certain transaction costs in wrap fee accounts, ShariaPortfolio may have a financial incentive not to place transaction orders in those accounts since doing so increases its transaction costs. Thus, an incentive exists to place trades less frequently in a wrap fee arrangement. Lower fees for comparable services may be available from other sources. These fees may be negotiated by ShariaPortfolio under certain circumstances, and at the sole discretion of ShariaPortfolio. Should a client open an account during the quarter, management fees will be prorated for assets held for a partial quarter based on the number of days that the account was open during the quarter. In the event that ShariaPortfolio’s services are terminated mid-quarter, the annual fee shall be prorated through the date of termination as defined in the Agreement and any earned, unpaid balance will be immediately due and payable by client, and any pre-paid unearned fees will be promptly refunded to the client. Asset Allocation Ranges (as of 2022) Asset Allocation Model Equity Sukuk Cash RE Aggressive 80-95 0-10 2-6 0-10 Moderate 40-80 10-50 2-6 0-20 Conservative Sukuk 10-40 50-80 2-6 0-20 0-10 80-95 2-6 0-20
• Each model has a minimum and maximum range for asset allocation
• Asset types are Equity, Income (Sukuk), Real Estate and Cash.
• Precious metals are considered part of Equity allocation.
• Under extreme market conditions, portfolio managers may temporarily stray from these ranges. A financial crisis, war, or other major event can warrant this. Terminated Accounts To terminate our portfolio management services, either party (you or us), by written notification to the other party, may terminate the Investment Advisory Agreement at any time, provided such written notification is received at least 5 days prior to the date of termination. Such written notification should include the date the termination will go into effect along with any final instructions on the account (i.e., liquidate the account, finalize all transactions and/or cease all investment activity). In the event termination does not fall on the first/last day of a calendar quarter, you shall be entitled to a pro-rated refund of the prepaid quarterly management fee based upon the number of days remaining in the quarterly cycle after the termination notice goes into effect. Once the termination of investment advisory services has been implemented, neither party has any obligation to the other – we no longer earn management fees or give investment advice and you become responsible for making your own investment decisions. If ShariaPortfolio’s services are terminated by written notice by either party, ShariaPortfolio will conduct an analysis of services provided to determine whether any pre-paid costs were unearned, and any such unearned pre-paid costs will be refunded to the Client on a pro-rata basis. If the prorated refund amount is $10 or more then ShariaPortfolio will send the client the refund check. Any amount below $10 the Firm will not send. Upon notice of termination to the Client, ShariaPortfolio will begin the process of removing its access to the Client’s Advisory Accounts; however, the custodian may require a reasonable amount of time to liquidate and/or transfer assets, including time for required recordkeeping, processing, and complying with the rules and conditions imposed by mutual fund companies, stock exchanges, or securities issuers. A wrap fee is not based directly on the number of transactions in your account. Various factors influence the relative cost of our wrap fee program to you, including the cost of our investment advice, custody and brokerage services if you purchased them separately, the types of investments held in your account, and the frequency, type and size of trades in your account. The program could cost you more or less than purchasing our investment advice and custody/brokerage services separately. C. Compensation ShariaPortfolio does not receive any special compensation for recommending the Program to clients who participate in the Program other than the compensation received from the ShariaPortfolio management fee charged by the Firm. The Wrap Fee may vary depending on a number of factors. The Wrap Fee is generally determined at the time of initial investment; subsequent increases or decreases in investment size do not result in an adjustment to the Wrap Fee, unless specifically negotiated, notwithstanding different fee tiers for asset ranges that are discussed in our ADV Part 2A Brochure. Our wrap fee does not cover all fees and costs. The fees not included in the wrap fee include 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, fees (such as a commission or markup) for trades executed away from Schwab at another broker-dealer, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. D. Express Program Disclosures The benefits under a wrap fee program depend, in part, upon the size of the account, the costs associated with managing the account, and the frequency or type of securities transactions executed in the account.
• For example, a wrap fee program may not be suitable for all accounts, including but not limited to accounts holding primarily, and for any substantial period of time, cash or cash equivalent investments, fixed income securities or no-transaction-fee mutual funds, or any other type of security that can be traded without commissions or other transaction fees.
• In order to evaluate whether a wrap [or bundled] fee arrangement is appropriate for you, you should compare the agreed-upon Wrap Program Fee and any other costs associated with participating in our Wrap Fee Program with the amounts that would be charged by other advisers, broker-dealers, and custodians, for advisory fees, brokerage and execution costs, and custodial services comparable to those provided under the Wrap Fee Program. E. Conflict of Interest When managing a client's account on a wrap fee basis, we receive as compensation for our investment advisory services, the balance of the total wrap [or program] fee you pay after custodial, trading and other management costs (including execution and transaction fees) have been deducted. Accordingly, we have a conflict of interest because we have a financial incentive to maximize our compensation by seeking to reduce or minimize the total costs incurred in your account(s) subject to a wrap fee.
• For example, our wrap fee arrangement creates incentives for our [advisers/firm] to trade less frequently or select investments that that reduce our costs, and in some cases increase expenses that are borne by the client. We are available to discuss Schwab’s execution related pricing with you so that you can compare the total costs of entering into a wrap fee arrangement versus a non-wrap fee arrangement.] If you choose to enter into a wrap fee arrangement, your total cost to invest could exceed the cost of paying for brokerage and advisory services separately.