Monetary Management Group, Inc. (“Monetary Management”, “We” or the “Firm”) is located in St Louis, Missouri. The firm has been providing investment management services to clients since 1983. The principal owner is Thomas G. Wright, Sr. In addition, Thomas G. Wright Jr., Lisa Brunts, Kathleen Gorman, and Elizabeth Wright-Gajda all have ownership in the firm. Monetary Management provides investment advisory services to individuals and families that includes continuous advice and management over the investment of their money consistent with the objectives of each client. Monetary Management also provides investment advisory services to companies, profit sharing plans, Taft-Hartley plans, and 401k plans. When we provide 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. Discretionary Wrap Program We provide discretionary investment advisory services to most of our clients through a managed account program (“Discretionary Wrap Program”). Through the Discretionary Wrap Program, we manage the investment and reinvestment of the clients’ portfolio assets on a discretionary basis and provide such investment advisory services on a “wrap” fee basis. Our Wrap Program utilizes a comprehensive single fee (i.e., all-inclusive fee covers costs of commissions, research, etc.). With all clients, we tailor our services to meet the needs of the individual client and seek to ensure, on a continuous basis, that client portfolios are managed in a manner that is consistent with those needs and objectives. We consult with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Discretionary Investment Management Accounts Monetary Management Group, Inc. usually receives discretionary authority from the client at the outset of an advisory relationship to select the identity and amounts of securities to be bought or sold, commission rates to be determined, and broker dealer to be used. In all cases, such discretion is exercised in a manner consistent with the stated investment objectives for a client’s account. We maintain a Limited Power of Attorney for all discretionary accounts for directing and or effecting investments on behalf of the managed account, for the direct payment of our fees, and custodial fees or other charges incurred by your managed account. Information is gathered by each adviser about their client’s financial circumstances, which include investment objectives, risk tolerance, and investment time horizon (collectively “financial information”), and any reasonable restrictions that the client wishes to impose on the management of the account. Based on the information provided, the adviser makes a determination of the security that would best suit the needs of the client. When selecting securities and determining amounts, Monetary Management Group, Inc. observes the limitations and restrictions of the clients for which it advises. As a result, reasonable restrictions may be placed on the management of the account by the client if they do not cause us to deviate from an investment decision we otherwise believe to be necessary. Clients are responsible for notifying the Firm promptly, in writing, of any changes to the information provided to us and for providing the Firm with additional information as we may request from time to time to assist us in providing services. Non-Discretionary Accounts With non-discretionary accounts, the client maintains complete and total discretion in the investment of the Assets. Client will authorize Monetary as agent to buy, sell, and trade in stocks, fixed income securities, and any other securities and/or contracts relating to the same for the Accounts, in accordance with the prior approval of Client. Termination of an Agreement Agreements may be terminated at any time upon 30 days written notice by either party

to the other. Fees will be pro-rated through the date of termination. Investment Products We offer several investment strategies to you and in doing so may invest in a wide range of securities and other financial instruments including:
• Equity securities
• Exchange-listed securities
• Corporate debt
• Certificates of deposit
• United States government securities
• Municipal securities
• Mutual fund shares As financial markets and products evolve, we may invest in other instruments or securities, whether currently existing or developed in the future, at our sole discretion. Assets Under Management As of April 30, 2023, the firm managed $438,763,045 in discretionary assets and $16,314,110 in non-discretionary assets. Fees and Compensation Monetary Management annual fee is calculated quarterly per account and is based on the average amount of assets under management during said quarter. The Fees are payable quarterly, in arrears. The fee schedule range is as follows: Equities: 1.0% - 2.0% per annum Fixed: .50% - 1.0% per annum Minimum fee: $2,500 annually. Accounts can be combined for purposes of determining the minimum fee. All fees are subject to negotiation based on such factors as the size and asset mix of account. Additional Bundled Service Cost Considerations In our wrap program, the client is charged a single, all-inclusive fee (sometimes referred to as a “wrap fee” and referred to herein as a “comprehensive fee”) based upon a percentage of the market value of the client’s account. The comprehensive fee covers all services for: (1) recommendations of investments in the client’s portfolio; (2) execution of portfolio transactions; (3) reports on the assets in the client’s portfolio, which also includes providing the client with trade confirmations and monthly statements; (4) periodic evaluation and comparison of account performance; and (5) continuing consultation on the client’s investment objectives. A wrap fee program allows our clients to pay a specified fee for investment advisory services and the execution of transactions. The advisory services and the fee are not based directly upon transactions in your account(s). We do not charge our clients higher advisory fees based on their trading activity, but you should be aware that we may have an incentive to limit our trading activities in your accounts(s) because we are charged for executed trades. By participating in a wrap fee program, you may end up paying more or less than you would through a non-wrap program where trade execution costs are paid by you directly to the executing broker. Fee Payment Options As indicated in our advisory agreement with you, there are two options you may select to pay for our services:
• Direct debiting (preferred): at the inception of the relationship and each quarter thereafter, we will notify your custodian of the amount of the fee due and payable to us through our fee schedule and contract. They will “deduct” the fee from your Account(s) or if you have more than one account from the account you have designated to pay our advisory fees. No less than quarterly, you will receive a statement directly from your custodian showing all transactions, positions, and debits into or from your account; including the advisory fee paid by you to us. Every quarter, we will send you a billing invoice for the fee deducted and the amount of the assets the fee was based on. We urge you to verify the information in our report with the custodian's statement. The custodian does not validate or check our fee, or its calculation on the assets on which the fee is based.
• Pay-by-check: At the inception of the Account and each quarter thereafter, we issue you an invoice for our services and you pay us by check or wire transfer within 15 days of the date of the invoice. Additional Fees and Expenses Clients with individual retirement accounts (IRA) will incur a $50 annual charge by the account’s custodian that is in addition to Monetary Management’s advisory fee. Also, there are fees charged directly by a mutual fund, index fund, or exchange traded fund which will be disclosed in the fund’s prospectus and are paid by the client which are in addition to the fee paid to Monetary Management for advisory services.