Howard Bailey Securities LLC

Item 5 - Fees and Compensation

We provide asset management, financial planning, financial consulting, and qualified retirement plan
consulting services for a fee.

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Either party may terminate the relationship with a thirty (30) day written notice. Upon termination of any
account, any prepaid fees that are in excess of the services performed will be promptly refunded to you.
Any fees that are due, but have not been paid, will be billed to you and are due immediately. All refunds
will be sent via check to the address of record within 30 days for account termination.

Asset Management Fee Schedule
The fee charged is based upon the amount of money you invest. Multiple accounts of immediately-related
family members, at the same mailing address, may be considered one consolidated account for billing
purposes. Fees are charged either monthly or quarterly, in either advance or arrears. Howard Bailey does
not directly bill accounts. The accounts are billed by the either the third-party manager or the sub-adviser.

The sub-adviser, AEWealth bills accounts on a monthly basis. Fees are charged in arrears utilizing the
average daily balance over the billing period. Accounts will be billed the month following the initial investment,
approximately mid-month.

Our default annual fee is 1.35% for up to $1 Million in assets under managements. The annual fee will
decrease to 0.75% for assets under management starting at $1,000,001. No change in the annual fee shall
be effective without prior written notification to you. We believe our advisory fee is reasonable considering
the fees charged by other investment advisers offering similar services/programs.

You may also pay additional advisory fees to a third-party money manager depending upon which manager
you select. Our fees will not be based upon a share of capital gains or capital appreciation of the funds or
any portion of your funds.

Howard Bailey does not charge fees in addition to the third-party money manager; they will receive a portion
of the fee charged by the outside manager. All fees will be calculated and billed by the third-party money
manager; client should refer to the ADV Part 2 of the third-party money manager for a full description of
fees.

Your account at the custodian may also be charged for certain additional assets managed for you by us but
not held by the custodian (i.e. 401(k)s).

The fees we charge can be deducted directly from your account at the custodian. We will instruct the
custodian to deduct the fees from your account at the beginning of the month. This fee will show up as a
deduction on your following next account statement from the custodian.

Sub-Adviser
Howard Bailey will be compensated by the sub-advisor(s) from the advisory fees they collect from the client.
The fee charged is based upon the amount of money invested. Fees are charged monthly, in arrears. Please
refer to the ADV Brochure of the Sub-Adviser(s) for a full description of fees.

Financial Planning/Consulting Fees
Our financial planning/consulting fees range from $50 to $200 per hour which may be negotiable
depending upon the nature and complexity of the client's circumstances.

Howard Bailey may also provide a comprehensive financial plan and/or consulting services for a fixed fee
of $1,000-$5000, which may be negotiable depending upon the nature and complexity of the client's

Howard Bailey                  ADV Part 2A                     March 2026                              Page 8 of 23

circumstances. This amount is due at the time the agreement is signed. Financial plans will be presented to
you on the date specified in the agreement, provided that all information needed to prepare the investment
plan has been promptly provided to us.

The Financial Planning/Consulting Agreement will show the fee you will pay.

If the plan is implemented through us, we may receive compensation from the sale of insurance products
or advisory services recommended in the financial plan. This compensation would be in addition to the
financial planning fee you pay. The fees and expenses you pay for the purchase of these products may be
more or less than the expenses you would pay should you decide to implement our recommendations
through another investment advisory firm or broker-dealer and are typically determined by the broker-dealer
or investment company sponsoring the product. Therefore, a conflict of interest may exist between our
interests and your interests since we may recommend products that pay us compensation. We have an
incentive to recommend particular products based upon the potential compensation rather than your needs.
This conflict is addressed in our Code of Ethics.

All recommendations developed by us are based upon our professional judgment. We cannot guarantee the
results of any of our recommendations.

Third Party Fees
Our fees do not include brokerage commissions, transaction fees, and other related costs and expenses.
You may incur certain charges imposed by custodians, third party investment companies and other third
parties. These include fees charged by managers, custodial fees, deferred sales charges, odd-lot
differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
accounts and securities transactions. Mutual funds, money market funds and exchange-traded funds (ETFs)
also charge internal management fees, which are disclosed in the fund's prospectus. These fees may include,
but are not limited to, a management fee, upfront sales charges, and other fund expenses. Certain strategies
offered by us may involve investment in mutual funds and/or ETFs. Load and no load mutual funds may pay
annual distribution charges, sometimes referred to as "12(b)(1) fees". These 12(b)(1) fees come from fund
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