Wing Financial Inc

Item 5: Fees and Compensation

A. Fees

Wrap Program Fees. Wing offers the Services through a wrap program (the “Wrap
Program”). The Wrap Program bundles or “wraps” investment advisory, brokerage, and
custodial services together and charges a single fee based on the value of certain eligible
assets under management (“Eligible AUM”) which allows you to pay a single fee for all
services, as described below. The Wrap Program fee is not based upon transactions in a
Member’s account, but rather is a bundled fee, which includes the costs for advisory
services, execution, clearance, custody and account reporting (the “Advisory Fee”). Your
specific Advisory Fee will be determined by your sub-advisor and is clearly detailed in
their Brochure and Form CRS, which can be accessed in the Wing App on your Team Page
under Documents & Disclosures. The Advisory Fee is calculated as a percentage of your
Eligible AUM value calculated based on the average daily market value of Eligible AUM
in your portfolio over the applicable month.

The Wrap Program fees consist of the Advisory Fee. The Wrap Program fee does not
include the Membership Fee or Other Fees (defined below) that you may be charged as
applicable and described below. The Wrap Program fee is charged monthly, in arrears by

your sub-advisor. For the first billing period of our advisory relationship, the Wrap
Program fee is calculated on a pro rata basis. In the event the Agreement is terminated,
the fee for the final billing period is prorated through the effective date of the termination
and the outstanding portion of the fee is charged to the Member.

Membership Fees. The Membership Fee, as described above, is three hundred and ninety-
nine dollars per year ($399/year). The Membership Fee is generally paid directly to Wing
from the sub-advisors, annually, in advance, and the cost is not passed back to the
Member. However, if a Member does not ultimately invest any assets in sub-advisor
strategies as generated by the Wing App then the Membership Fee may be assessed by
Wing to the Member annually in advance. Wing Membership gives you exclusive access
to all of Wing’s automated financial planning and personal finance tools, including cash
flow, budgeting, debt reduction, among other financial planning tools, additional access
to financial education, and finally, access to investment products and strategies from WFI
recommended sub-advisors. Wing reserves the right to provide discounts to the
Membership Fee to Members or prospective members at its sole discretion.

Other Fees. You understand that, in addition to equity securities of individual companies,
Wing may invest in shares of money market funds, ETFs, and/or invest ETFs (or other
securities used for hedging), for your Managed Account(s) in accordance with your
Portfolio Plan. As a shareholder in these ETFs (and in any money market funds), you will
bear a share of the management and other expenses of such ETFs as disclosed in each
ETF’s prospectus. These expenses are charged by the ETF’s managers and service
providers in the normal course of business and are reflected in the share value of the ETFs.
The foregoing ETF expenses are separate and apart from your Wrap Program Fee. You
will receive from us a notification when ETFs (or money market funds) are purchased for
your Managed Account(s). You agree that it is your responsibility to read the applicable
prospectuses in connection with your decision to invest.

Additionally, you may incur certain other charges imposed by third party financial
institutions. These additional costs may include but are not limited to custody fees, paper
statement fees, bounced check fees, transfer taxes, wire transfer, electronic fund fees, and
any fees or expenses charges by our participating Partners. All other fees referred to this
Section are “Other Fees.” Wing does not receive any portion, either directly or indirectly,
of these Other Fees.

D. Prepayment of Fees

WFI collects Membership Fees in advance. Refunds on fees paid in advance but not yet
earned will be refunded on a prorated basis.

E. Outside Compensation For the Sale of Securities to Clients

       Neither WFI nor its supervised persons accept any compensation for the sale of
       investment products, including asset-based sales charges or service fees from the sale of
       mutual funds.

Item 7: Types of Clients

WFI generally provides planning services to the following types of Members:

       ❖      Individuals
       ❖      High-Net-Worth Individuals

WFI generally requires a $10,000 minimum for brokerage accounts, but does not require a
minimum balance for retirement accounts. The minimum may vary depending on the investment
strategy or model portfolio selected. WFI reserves the right to waive the minimum account size
under certain circumstances. If an account balance falls below the minimum due to withdrawals
or market activity, WFI may terminate the account or recommend transitioning to an alternative
program.