Koob Wealth Management is an investment adviser registered with the State of Minnesota and is a limited liability company (LLC) formed under the laws of the State of Minnesota. Koob Asset Management Program I am the sponsor of the Koob Asset Management Program (“KAMP Program”), a wrap fee or non-wrap fee asset management program developed through an arrangement using LPL Financial Corporation’s (“LPL”) Strategic Wealth Management platform. Through the KAMP Program, I provide investment management services, including providing continuous investment advice to and making investments for you based on your individual needs. Through this service, I offer a customized and individualized investment program. A specific asset allocation strategy and suitability profile is crafted to focus on your specific goals and objectives. The IPS defines your risk tolerance and investment objective. Your information should be updated regularly, but at a minimum every 2 years. KAMP Program accounts are custodied at LPL in its capacity as a registered broker/dealer, member FINRA/SIPC. LPL is also an investment advisor registered with the SEC but does not serve as an investment advisor for you through the KAMP Program. LPL provides clearing, custody and other brokerage services for accounts established through the KAMP Program. Therefore, you are required to establish a brokerage account(s) through LPL’s Strategic Wealth Management platform. Separate accounts are maintained for you, and you retain all rights of ownership of you accounts (e. g., the right to withdraw securities or cash, exercise or delegate proxy voting, and receive transaction confirmations). KAMP Program accounts allow you to authorize me to purchase and sell, on a non-discretionary basis, portfolios consisting of securities and investments. I may limit my discretion with respect to your account and the securities eligible to be purchased for your account. (See, Limits Advice to Certain Types of Investments at Item 6, Portfolio Manager Selection and Evaluation elsewhere in this Disclosure Brochure.) With discretionary authority, I make all decisions to buy, sell or hold securities, cash or other investments in the managed account in my sole discretion without consulting with you before implementing any transactions. You must provide me with written authorization to exercise this discretionary authority. Discretionary authority is limited. I do not have access to your funds and/or securities with the exception of having advisory fees deducted from your account and paid to me by the account custodian. Any fee deduction is done pursuant to your prior written authorization provided to the account custodian. You have the ability to place reasonable restrictions on the types of investments that may be purchased in an account. You may also place reasonable limitations on the discretionary power granted to me so long as the limitations are specifically set forth or included as an attachment to the client agreement. (Please see Item 16, Investment Discretion, in the separate Koob Wealth Management, LLC Disclosure Brochure for additional information concerning discretionary authority.) During any month that there is activity in the KAMP Program account, you receive a monthly account statement from LPL showing account activity as well as positions held in the account at month end. Additionally, you receive a confirmation of each transaction that occurs within the KAMP Program account unless the transaction is the result of a systematic purchase, redemption or exchange. You also receive a detailed quarterly report showing performance, positions, and activity. All account data and statements are also available on-line through the account view portal through LPL. The annual investment advisory fee charged will vary between 0.20% and 1.00% of the assets held in the account and is negotiable depending on the market value of the account, asset types, complexity of your portfolio, your financial situation and trading activity. The annual fee is divided and paid quarterly in advance through a direct debit to your account. LPL is responsible for calculating and debiting all fees from your accounts. You must provide LPL with written authorization to debit advisory fees from your accounts and pay the fees to Koob Wealth Management. Fees are based on the account's asset value as of the last business day of the prior calendar quarter. Fees for accounts opened at any time other than the beginning of a quarter are prorated based on the number of days remaining in the initial quarter. Prior to engaging Koob Wealth Management to provide investment management services, you are required to enter into a formal investment advisory agreement with me setting forth the terms and conditions, including the amount of investment advisory fees, under which I manage your assets and also separate custodial/clearing agreement with LPL. You can open a KAMP Program I or KAMP Program II account. A KAMP Program I account is a non- wrap or traditional account. This means in addition to my investment advisory fee, you also certain pay transaction charges to defray the costs associated with trade execution. These costs are set out in the LPL Strategic Wealth Management platform brokerage

account and application agreement. The KAMP Program II account is a wrap fee account, meaning you do not pay transaction charges associated with trade execution. The minimum account size to open any KAMP Program account is $15,000, although exceptions may be granted upon request. Factors considered when granting an exception include the total value of the overall engagement, the types of assets in the account, the time and resources expended on the services and the relationship between the adviser providing services and the client. You may incur certain charges imposed by third parties other than Koob Wealth Management in connection with investments made through the account including, but not limited to, 12b-1 fees and surrender charges, and IRA and qualified retirement plan fees. My management fees (which include transaction and execution fees charged by LPL for KAMP Program II accounts) are separate and distinct from the fees and expenses charged by investment company securities that may be recommended to you. A description of these fees and expenses are available in each investment company security’s prospectus. I, in my separate capacity as registered representatives of LPL, may retain a portion of the commissions charged to you. These commissions may include 12b-1 fees, surrender charges and IRA and qualified retirement plan fees. The KAMP Program I and KAMP Program II may cost you more or less than if the assets were held in a traditional brokerage account. In a brokerage account, you are charged commissions for each transaction, and the representative has no duty to provide ongoing advice with respect to the account. If you plan to follow a buy and hold investment strategy for the account or do not wish to purchase ongoing investment advice or management services, you should consider opening a brokerage account rather than a KAMP Program I or KAMP Program II account. I do not always charge a lower advisory fee for KAMP Program I accounts versus KAMP Program II accounts. The cost for a KAMP Program II account is typically higher than a CAM I Program. This is because transaction costs are passed along to you in KAMP Program I accounts while the transaction costs are covered under the overall fee charged for KAMP Program II accounts. When making the determination of whether one of the advisory programs available through Koob Wealth Management is appropriate for your needs, you should bear in mind that fee-based accounts, when compared with commission-based accounts, often result in lower costs during periods when trading activity is heavier, such as the year an account is established. However, during periods when trading activity is lower, the fee-based account arrangements may result in a higher annual cost for transactions. Thus, depending on a number of factors, the total cost for transactions under a fee account versus a commission account can vary significantly. Factors which affect the total cost include account size, amount of turnover, type and quantities of securities purchased or sold, commission rates and your tax situation. It should also be noted that lower fees for comparable service may be available from other sources. You should discuss the advantages and disadvantages of fee-based and commission-based accounts with your adviser representative. Either party may terminate the agreement for services at any time. If services are terminated within five business days of executing the agreement, services are terminated without penalty and a full refund of all fees paid in advance is provided. If services are terminated after the initial five day period, I provide you with a prorated refund of fees paid in advance. The refund is based on the number of days service is actually provided during the final billing period. Termination is effective from the time the other party receives written notification or such other time as may be mutually agreed upon, subject to the settlement of transactions in progress and the final refund of advisory fees. There is no penalty charge on termination. Additional Compensation, Economic and Non-Economic Benefits I am also a registered representative of LPL, a securities broker-dealer. You may work with me in my separate capacity as a registered representative of LPL. When acting in this separate capacity as a registered representative, I may sell, for commissions, general securities products such as stocks, bonds, mutual funds, exchange-traded funds, and variable annuity and variable life products to you. As such, I may suggest that you implement investment advice by purchasing securities products through a commission-based brokerage account in addition to or in lieu of a fee-based investment-advisory account. This receipt of commissions creates an incentive to recommend those products for which I will receive a commission in my separate capacity as a registered representative of a securities broker- dealer. Consequently, the objectivity of the advice rendered to you could be biased. You are under no obligation to use my services in this separate capacity or to use LPL and can select any broker/dealer you wish to implement securities transactions. If you select me to implement securities transactions in my separate capacity as a registered representative, I must use LPL.