JBR Co. - Financial Management, Inc., dba FMI (“FMI”) has been in business since July 1997. The firm is owned by Mike Whitson, Allen Bynum, Kayla Tweedy and Bregan Heitz. Kayla Tweedy is the firm’s Chief Compliance Officer. In addition, JBR Co. - Financial Management, Inc. operates its advisory activities in the state of Oklahoma under the trade name of FMI. FMI manages investment assets for a wide range of clients with a wide range of amounts to invest. FMI does not specialize in any form of advisory service or type of investment. FMI attempts to customize each clients' portfolio to their individual goals and time horizon. FMI may or may not use models for this depending on the clients goals, investments and time horizon. While some clients may strictly want investments, which provide cash flow, the portfolios must still be diversified to minimize the market risk; other clients may be more risk-tolerant and willing to quest of a higher long-term rate of return. Investment performance is monitored regularly and reported to the client each calendar quarter. Clients are provided with a periodic newsletter, prepared in-house, to highlight specific planning issues. Our Financial Advisors meet with each client annually to discuss investment performance and current client concerns. FMI also offers Consulting Services. FMI’s consulting service provides general investment advice, regarding assets contained in the client’s investment account(s) on a non-discretionary basis. FMI offers services to 401K plan on a discretionary basis, and in accordance with the objectives specified, and in accordance with the agreement signed by the parties. FMI will memorialize the services provided and scope of compensation with an Agreement between FMI as advisor to the plan sponsor/employer. When FMI provides investment

advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Whitson and Bynum have significant experience in insurance planning - life, health, disability, and long- term-care -that can be valuable to clients during these annual meetings. There is no charge to the client for these annual meetings. No pressure is exerted upon the client to engage our Financial Advisors to perform any service outside of the scope of FMI - clients are free to choose any outside consultant or Insurance agent. FMI considers the annual meeting as an opportunity to address client concerns in a range of topics the client may express interest in but have no other source of information. There are no wrap-fee agreements with any client. The Firm manages approximately $247,105,766 under management on a discretionary basis as of December 31, 2023.