Andrew Garrett Inc

(Item 5) FEES AND COMPENSATION

A.               Advisor Program
     The minimum balance to open an Advisor Account is $25,000. The fee is calculated based on the dollar amount of assets in
     the account at the end of the previous quarter and charged quarterly in advance. If a client terminates the account, the fee
     will be refunded on a pro-rata basis. The account can be terminated with a 30-day written notice. The fee can be charged
     directly to the account or billed. If the bill is outstanding longer than 60 days, the account will be charged directly.
     The maximum annual fee for the programs described in this brochure is 2.80% of the market value of the account.
     Fees for the programs described in this brochure are negotiable based on several factors including the type and size of
     the account and the range of services provided.

B.               RBC Unified Portfolio
     The minimum balance to open most RBC UP accounts varies from $10,000-$250,000 depending on the styles of investing
     and managers chosen. The fee is calculated on the dollar amount of assets in the account at the end of the previous quarter
     and charged quarterly in advance. If a client terminates the account, the fee will be refunded on a pro-rata basis. The account
     can be terminated on 30 days’ written notice. The fee can be deducted directly from the account or billed. If the bill is
     outstanding longer than 60 days, the account will be directly charged.
     The maximum annual fee for the programs described in this brochure is 2.80% of the market value of the account.
     Fees for the programs described in this brochure are negotiable based on several factors including the type and size of
     the account and the range of services provided.

C.                Andrew Garrett Advisory Services *
 AGI offers two platforms for this program. One using RBC as custodian and the second using Schwab as custodian. In either
platform the annual fee will be charged in one of two ways: as a percentage of assets under management or a flat fee. The fee
can be assessed on a monthly or quarterly basis. When AGI uses RBC as the custodian for these accounts: The client can pay a
flat percentage fee based on assets managed or a flat yearly fee. Fees can be assessed Monthly or Quarterly. For Monthly billing,
the client can elect to be billed either in advance or in arrears. If billed in advance, the initial percentage fee will be based on the
assets in the account at the beginning of the next billing period. After the initial month, billing will be based off the closing
account valuation of the prior month as well as the number of days in the current month. If billed in arrears, the billing will be
based off the previous month’s closing valuation as well as the number of days in the previous month. For Quarterly billing, the
initial percentage fee will be based on the assets in the account at the beginning of the next billing period time of approval,
“inception date”, as well as the number of days left in the quarter. Each quarter the percentage fee is calculated on the market
value of assets in the account at the end of the previous quarter and charged quarterly in advance. The fee is charged directly to
the account. If a client terminates the account, the fee will be refunded on a pro-rated basis. The account can be terminated only
by written notice. For Flat Fee billing, the Monthly or Quarterly flat fee will be specified within the UMAS agreement. The
initial fee will be charged at the beginning of the next billing period.

Wrap Program-Conflict of Interest. AGI participates in and sponsors wrap programs. The client generally receives
investment advisory services, the execution of securities brokerage transactions, custody and reporting services for a single
specified fee. Participation in a wrap program may cost the client more or less than purchasing such services separately.
The terms and conditions of a wrap program engagement are more fully discussed in AGI’s Wrap Fee Program Brochure.
Conflict of Interest. Because wrap program transaction fees and/or commissions are being paid by AGI to the account
custodian/broker-dealer, Registrant could have an economic incentive to minimize the number of trades in the client's
account. See separate Wrap Fee Program Brochure. AGI’s Chief Compliance Officer remains available to address any
questions that a client or prospective client may have regarding a wrap-free arrangement and the corresponding conflict of
interest a wrap fee arrangement may create.
The wrap fee does not include certain charges and administrative fees, including, but not limited to, fees charged by Independent
Managers, transaction charges (including mark-ups and mark-downs) resulting from trades effected through or with a broker-
dealer other than RBC), transfer taxes, odd lot differentials, exchange fees, interest charges, American Depository Receipt agency
processing fees, and any charges, taxes or other fees mandated by any federal, state or other applicable law or otherwise agreed
to with regard to client accounts. Such fees and expenses are in addition to the wrap fee.

When AGI uses Schwab as the custodian for this program. Schwab charges no commission for on-line U.S. exchange
listed stock & ETF trades; but they charge 65 cents per contract for options trades and may charge a commission to
assist with certain foreign or non-listed securities and certain mutual funds. In these circumstances you agree to
pay Schwab directly from your account. These fees are subject to change by Schwab.

The client can pay a flat percentage fee based on assets managed or a flat yearly fee. Fees can be assessed Monthly or
Quarterly. For Monthly billing, the client can elect to be billed either in advance or in arrears. The initial fee is not charged
until the beginning of the next billing period. If billed in advance, the initial percentage fee will be based on the assets in
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(Item 7) Types of Clients

Andrew Garrett, Inc. does not target a specific market. Each client is approached from the standpoint that they are unique and
possess their own suitability profile, financial condition, investment objective, life experience and risk tolerance. The IAR will
discuss with the client any individual or business concerning their investments or retirement plan. Our current clients come from
the following sectors:

Individuals
Deferred Contribution and Individual Retirement Plans
High Net Worth Individuals
Corporations

The client’s needs and objectives drive the decision on the investment platform that is recommended to the client.