A4 Wealth Advisors LLC

(Item 5: Fees and Compensation) and in our Investment Proposal and Contract (Schedule
D: Schedule of Fees).
The above fees are negotiable. Fees are assessed quarterly in arrears based on the amount
of the assets managed as of the end of the previous quarter. All management fees are
withdrawn from the Client’s account unless otherwise noted. GI will receive written
authorization from the Client to deduct advisory fees from their account held by a qualified
custodian. GI will pay A4 their share of the fees. A4 does not have access to deduct Client
fees. Clients may terminate their account within five (5) business days of signing the
investment advisory agreement without penalty or obligation. For terminations after the
initial five business days, GI will be entitled to a pro-rata fee for the days service was
provided in the final quarter. GI will pay A4 their portion of the final fee.
Incentive Program - GI
In addition to the regular advisory fee, GI has instituted a long-term incentive arrangement
by A4 can share in GI’s portion of the management fee. This does not change the cost to the
Client; it is a sharing arrangement paid from GI’s portion of the advisory fee. The incentive
arrangement will be paid annually according to the following table:
            A4 quarterly AUM with GI                            Participation rate in GI’s fee
                  $10,000,000                                              3.00%
                  $25,000,000                                             10.00%
                  $50,000,000                                             12.50%
                  $75,000,000                                             15.00%

Once A4 reaches and maintains the thresholds listed above, the participation rate applies to
all of the AUM for the quarter.
To receive the incentive award, A4 needs to meet two qualifications. First, the quarter end
billable AUM must be above the threshold amounts specified. Second, A4 must be an
advisor “in good standing” with GI at the time the annual checks are issued. “In good
standing” means the advisor is proactively placing assets with GI.
ASSETS HELD AWAY
Fees for these services will be based on a percentage of Assets Under Management. The
annual fee will be .60%. Fees will be paid in arrears every quarter. Client will be provided
an invoice at the commencement of services payable within ten (10) days of receipt. Clients
may choose to pay A4 directly or have the amount deducted from another account
managed by A4. Clients may terminate their account within five (5) business days of
signing the Investment Advisory Agreement with no obligation and without penalty. If the
Client cancels after five (5) business days any unpaid earned fees will be due to A4.
FINANCIAL PLANNING AND CONSULTING
Client will pay the estimated fee at the signing of the agreement. The fees are negotiable
and the final fees will be attached as Schedule C of the Client Agreement. Services are
completed and delivered inside of six (6) months. Clients may terminate their contracts
without penalty within five (5) business days of signing the Client agreement, after the five

                                       A4 Wealth Advisors LLC

(5) business days, Client will be entitled to a pro rata refund based on the percentage of
work completed.
      FIXED FEES
      Financial Planning Services are offered based on a negotiable fixed fee between $500
      and $5,000 based on complexity and unique Client needs.
      HOURLY FEES
      Financial Planning Services are offered based on an hourly fee of $350 per hour. Prior
      to the planning process the Client will be provided an estimated plan fee.
THIRD PARTY MONEY MANAGERS
A4 may at times use the services of TPMs charge fees in addition the TPM fees.
A4 has entered into an agreement with Parametric Portfolio Associates (“Parametric”).
Parametric offers asset management services on a discretionary basis and allocates clients’
assets among different allocation strategies. The clients fee for these services will be based
on a percentage of assets under management as follows:
Total Fees to the Client will be billed as follows:
       Assets Under Management                   Max Annual Fee
            $100,000 or less                         $2,500
        $100,001 to $10,000,000                      1.60%
           Over $10,000,000                          0.60%

A4s fees will be based on the fee schedule above less Parametric’s fees noted below.

TABS Municipal Ladder, U.S. Corporate Ladder and Tax Optimized Ladder
Account Minimum: $100,000 for Corporate Ladder ($125,000 for accounts custodied at
TD, Schwab and Fidelity) and $250,000 for TABS Municipal Ladder and Tax Optimized
Ladder
    Market Value of Account Assets†       Parametric Annual Fee*
           $0 - $5,000,000                       0.16%
      $5,000,000 - $10,000,000                   0.12%
          $10,000,000.00 +                       0.10%
*FFV Catholic Values and/or JLens Jewish Values and Advocacy screens: additional 5 bps
(0.05%) per screen

Parametric US Treasury Ladder
Account Minimum: $100,000 ($125,000 for accounts custodied at Schwab and Fidelity)
    Market Value of Account Assets        Parametric Annual Fee
              All Assets                         0.08%

                                      A4 Wealth Advisors LLC

Parametric TABS Managed Municipal
Account Minimum: $175,000
   Market Value of Account Assets†       Parametric Annual Fee
          $0 - $5,000,000                       0.17%
     $5,000,000 - $10,000,000                   0.13%
         $10,000,000.00 +                       0.11%

Parametric TABS Total Return
Account Minimum: $250,000
   Market Value of Account Assets†       Parametric Annual Fee
            $0 - $5,000,000                       0.32%
       $5,000,000 - $10,000,000                   0.25%
           $10,000,000.00 +                       0.20%
...

Item 7: Types of Clients
Description
A4 generally provides investment advice to individuals, pension and profit sharing plans,
trusts, estates, or charitable organizations, corporations or business entities. Client
relationships vary in scope and length of service.
Account Minimums
A4 requires a minimum of $500,000 to open an account. A4 in its sole discretion may waive
the minimum and accept accounts of a lesser value. Some third party money managers
used by A4 may have a minimum to open an account.