Henry Bragg & Co LLC

Fees and Compensation
include but are not limited to account administration, technology,
and trading. As such, the client should understand that we share
relevant client information with Forum and client expressly
permits us to disclose such client information to Forum. Forum        Portfolio Advisory Services
maintains a privacy policy whereby Forum does not disclose            The annual fee for our portfolio advisory services is never
non-public information obtained from us to any non-affiliated third   more than 1.25% of the market value (plus any credit balance
parties, except as required to process transactions on client’s       and minus and debit balance) of client assets under
behalf or if required by law or regulation. HBCo pays Forum a fee     management. Assets in each of your account(s) are included
for its services. Clients are not charged any additional fees by us   in the fee assessment unless specifically identified in writing
for Forum’s services. Forum provides HBCo clients with lower          for exclusion.
trading costs given its size and ability to negotiate with outside
providers. Because Mr. Bragg is the sole owner and                    Our annual portfolio management fee is billed and payable,
investment advisor, HBCo has a succession agreement in place          quarterly in arrears, based on the balance at end of billing
with Forum (see Brokerage Practices in Item 12). Documentation        period after adjustments for cash flows during the period.
of this agreement is on file with our qualified custodian.
                                                                      If the portfolio management agreement is executed at any
Flourish Cash                                                         time other than the first day of a calendar quarter, our fees will
Flourish Cash is an online cash management solution that seeks        apply on a pro rata basis, which means that the advisory fee is
to provide clients with competitive APY and elevated FDIC             payable in proportion to the number of days in the quarter for
coverage for their deposits placed at program banks. Flourish         which you are a client.
Cash is offered by Flourish Financial LLC (“Flourish”), a
registered broker-dealer and FINRA member. HBCo is not                Our advisory fee is negotiable, depending on individual client
affiliated with Flourish or any of the program’s banks. HBCo is       circumstances. At our discretion, we may combine the
not acting as an investment advisor representative or in a            account values of family members living in the same
discretionary manner when inviting clients to use Flourish and        household to determine the applicable advisory fee. For
only do so with client consent.                                       example, we may combine account values for you and your
                                                                      minor children, joint accounts with your spouse, and other
Special Situations                                                    types of related accounts. Combining account values
As needed, we will advise you on various types of                     increases the asset total, which may result in your paying a
investments based on your stated goals and objectives, as well        reduced advisory fee.
as provide advice on any type of investment held in your
portfolio. Legacy securities with low basis can be substituted in     We will deduct our fee directly from your account through the
the model portfolios for tax reasons. As time goes by, we’ll          qualified custodian holding your funds and securities. We will
attempt to reduce such positions in a tax-efficient way to bring      deduct our advisory fee only when you have given our firm
the portfolio into balance with the recommended securities.           and custodian written authorization by client agreement or
                                                                      custodial form permitting the fees to be paid directly from
Since our investment strategies and advice are based on each          your account. Further, the qualified custodian will deliver an
client’s specific financial situation, the investment advice we       account statement to you at least quarterly. These account
provide to you may be different or conflicting with the advice we     statements will show all disbursements from your account.
give to other clients regarding the same security or investment.      You should review all statements for accuracy.

Assets Under Management                                               Clients may request to terminate their agreement with our firm
As of December 31, 2025, we had $419,443,764 of                       in whole or in part, by providing 30 days advance notice.
discretionary assets under management and $49,212,008 of              Should a client terminate mid-quarter, the client will be billed
non-discretionary assets under management totaling                    for the number of days during the quarter that services were
$468,655,772.                                                         provided.

                                                                      Qualified Plan Services
                                                                      Plan sponsors engaging HBCo to provide Qualified Plan
                                                                      Services are charged an annual advisory fee based on a
                                                                      percentage of the total plan value for each calendar quarter,
                                                                      or part thereof. The annual management fee for Qualified Plan
                                                                      Services (401(k) Services) shall be no greater than 1.0%.
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