Access Capital LLC

Fees and Compensation

The following types of fees will be assessed:

Asset Management – Fees are charged monthly in advance and are based primarily on asset size
and the level of complexity of the services provided. In individual cases, AC has the sole
discretion to negotiate fees that are lower than the standard fee shown or to waive fees. Fees are
not based on the share of capital gains or capital appreciation of the funds or any portion of the
funds. Comparable services for lower fees may be available from other sources. Fees for the
initial month will be prorated based upon the number of calendar days in the calendar month that
the advisory agreement is in effect. Fees are based on the average monthly value of the previous
month. Annual fees range from .90% - 1.25%, depending on the amount of assets under
management (“AUM”) – See chart below. Consulting services are included in these fees for
asset management services with the exception of unique circumstances that may require a
separate agreement for financial planning services (description and fees are discussed below). If
the situation warrants separate financial planning fees, it will be discussed upfront and a separate
agreement will be negotiated.

Fee Schedule for Asset Management:

  Total Account Value                                  Maximum Annual Advisory Fee
 Under $500,000                                                 1.25%
 $500,000 – $1,000,000                                          1.10%
 $1,000,001 – $4,000,000                                        1.00%
 Over $4,000,000                                                0.90%

As authorized in the client agreement, the account custodian withdraws Access Capital, LLC’s
advisory fees directly from the clients’ accounts according to the custodian’s policies, practices,
and procedures. The custodial statement includes the amount of any fees paid to AC for

advisory services. You should carefully review the statement from your custodian/broker-
dealer’s statement and verify the calculation of fees. Your custodian/broker-dealer does not
verify the accuracy of fee calculations.

Fees are charged in advance on a monthly basis, meaning that advisory fees for a month are
charged on the first day of the month. Clients may terminate investment advisory services
obtained from AC, without penalty, upon written notice within five (5) business days after
entering into the advisory agreement with AC. The client is responsible for any fees and charges
incurred by the client from third parties as a result of maintaining the account such as transaction
fees for any securities transactions executed and account maintenance or custodial fees.
Thereafter, the client may terminate advisory services upon written notice delivered to and
received by AC. Clients who terminate investment advisory services during a month are charged
a prorated advisory fee based on the date of AC’s receipt of client’s written notice to terminate.
Any earned but unpaid fees are immediately due and payable, and any prepaid and unearned fees
will be immediately refunded.

Financial Planning – Financial planning services are charged in advance through a fixed fee
arrangement or in arrears through an hourly arrangement as agreed upon between the client and
Access Capital, LLC. There will never be an instance where $500 or more in fees is charged six
or more months in advance. Hourly fees are generally charged when the scope of services
cannot be determined or if the services are limited to one meeting. Fixed fees are generally
quoted to the client for longer term consulting projects. Fees are negotiable and vary depending
upon the complexity of the client situation and services to be provided. Hourly fees range from
$300 - $400 per hour, depending on what is negotiated between AC and the client. Similar
financial planning services may be available elsewhere for a lower cost to the client. Fixed fees
for longer-term consulting projects range from $1,000 to $5,000 per project. An estimate for
total hours and charges is determined at the start of the advisory relationship.

Typically, clients will be invoiced monthly for all time spent by AC as agreed upon by client or
upon completion of the services if less than a month. Clients who wish to terminate the planning
process prior to completion may do so with written notice. The client may obtain a refund of a
pre-paid fee if the advisory contract is terminated before the end of the billing period by
contacting Sean Spencer at (316) 633-8013. Upon receipt of written notification, any earned fee
will immediately become due and payable, and any prepaid and unearned fees will be
immediately refunded. A client may terminate an advisory agreement without being assessed
any fees or expenses within five (5) days of its signing.

Additional Fees and Expenses

In addition to advisory fees paid to AC as explained above, clients may pay custodial service,
account maintenance, transaction, and other fees associated with maintaining the account. These
fees vary by broker and/or custodian. Clients should ask AC for details on transaction fees or
other custodial fees specific to their account, as these fees are not included in the annual advisory
fee. AC does not share any portion of such fees. Additionally, for any mutual funds purchased,
the client may pay their proportionate share of the funds’ distribution, internal management,
investment advisory and administrative fees. Such fees are not shared with AC and are

compensation to the fund manager. Clients are urged to read the mutual fund prospectus prior to
investing.

Mutual fund companies impose internal fees and expenses on clients. These fees are in addition
to the costs associated with the investment advisory services as described above. Complete
details of such internal expenses are specified and disclosed in each mutual fund company’s
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Types of Clients

AC offers investment advisory services to individuals and high net worth individuals. There is
no minimum account size to open and maintain an advisory account.

Form ADV, Part 2A, Item 8

       Methods of Analysis, Investment Strategies, and Risk of Loss

AC’s methods of analysis and investment strategies incorporate the client’s needs and investment
objectives, time horizon, and risk tolerance. AC is not bound to a specific investment strategy
for the management of investment portfolios, but rather consider the risk tolerance levels pre-
determined gathered at the account opening, as well as on an on-going basis. Examples of
methodologies that our investment strategies may incorporate include:

Asset Allocation – Asset Allocation is a broad term used to define the process of selecting a mix
of asset classes and the efficient allocation of capital to those assets by matching rates of return
to a specified and quantifiable tolerance for risk.

Dollar-Cost Averaging – Dollar-cost averaging is the technique of buying a fixed dollar amount
of securities at regularly scheduled intervals, regardless of the price per share. This will
gradually, over time, decrease the average share price of the security. Dollar-cost averaging
lessens the risk of investing a large amount in a single investment at the wrong time.

Technical Analysis – involves studying past price patterns and trends in the financial markets to
predict the direction of both the overall market and specific stocks.

Long-Term Purchases – securities purchased with the expectation that the value of those
securities will grow over a relatively long period of time, generally greater than one year.

Short-Term Purchases – securities purchased with the expectation that they will be sold within a
relatively short period of time, generally less than one year, to take advantage of the securities’
short term price fluctuations.

Our strategies and investments may have unique and significant tax implications. Regardless of
your account size or other factors, we strongly recommend that you continuously consult with a
tax professional prior to and throughout the investing of your assets.

Investing in securities involves risk of loss that clients should be prepared to bear. Although we
manage your portfolio with strategies and in a manner consistent with your risk tolerances, there
can be no guarantee that our efforts will be successful. You should be prepared to bear the risk
of loss.

All investments involve the risk of loss, including (among other things) loss of principal, a
reduction in earnings (including interest, dividends, and other distributions), and the loss of
future earnings. These risks include market risk, interest rate risk, issuer risk, and general
economic risk. Regardless of the methods of analysis or strategies suggested for your particular
investment goals, you should carefully consider these risks, as they all bear risks.

AC’s primary goal for investing is to help the client maintain purchasing power over the long
term. This may result in short term variability and loss of principal. Time horizon and risk
tolerance are key determinates of the proper asset allocation. AC’s approach focuses on taking

appropriate risks for which clients are compensated (i.e. market risk) and seeking to limit or
eliminate risks that do not provide compensation over the long term (i.e. individual stock risk or
lack of portfolio risk).

Below are some more specific risks of investing:

Market Risk. The prices of securities in which clients invest may decline in response to certain
events taking place around the world, including those directly involving the companies whose
securities are owned by the client or an underlying fund; conditions affecting the general
economy; overall market changes; local, regional or global political, social or economic
instability; and currency, interest rate and commodity price fluctuations. Investors should have a
long-term perspective and be able to tolerate potentially sharp declines in market value.

Management Risk. AC’s investment approach may fail to produce the intended results. If our
perception of the performance of a specific asset class or underlying fund is not realized in the
expected time frame, the overall performance of client’s portfolio may suffer.

Equity Risk. Equity securities tend to be more volatile than other investment choices. The value
of an individual mutual fund or ETF can be more volatile than the market as a whole. This
volatility affects the value of the client’s overall portfolio. Small- and mid-cap companies are
subject to additional risks. Smaller companies may experience greater volatility, higher failure
rates, more limited markets, product lines, financial resources, and less management experience
than larger companies. Smaller companies may also have a lower trading volume, which may
disproportionately affect their market price, tending to make them fall more in response to
selling pressure than is the case with larger companies.

Fixed Income Risk. The issuer of a fixed income security may not be able to make interest and
principal payments when due. Generally, the lower the credit rating of a security, the greater the
risk that the issuer will default on its obligation. If a rating agency gives a debt security a lower
rating, the value of the debt security will decline because investors will demand a higher rate of
return. As nominal interest rates rise, the value of fixed income securities is likely to decrease. A
nominal interest rate is the sum of a real interest rate and an expected inflation rate.

Municipal Securities Risk. The value of municipal obligations can fluctuate over time, and may
be affected by adverse political, legislative and tax changes, as well as by financial developments
that affect the municipal issuers. Because many municipal obligations are issued to finance
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