Ark Advisors LLC

Item 5: Fees and Compensation

A. Fee Schedule

Investment Supervisory Services Fees

               Total AUM < $250,000                     Annual Fee
                    $0-250,000                             1.50%

          Total Assets Under Management                 Annual Fee
                  First $1,000,000                         1.00%

              $1,000,001 - $3,000,000                      0.50%

                 Above $3,000,001                          0.25%

Ark Advisors charges an asset-based fee for investment advisory services, which ranges
from 0.25% to 1.50% annually, depending on the total assets under management and
the complexity of the client’s financial situation. Fees are negotiable based on specific
client needs, the scope of services provided, and the account size.

                                                                                 Form ADV 2A
                                                                         Version: January 2026

The final fee schedule is attached as Exhibit I of the Investment Advisory Contract. Fees
are paid monthly or quarterly in arrears depending on the custodian, and clients may
terminate their contracts with written notice. Because fees are charged in arrears, no
refund policy is necessary. Clients may terminate their accounts without penalty within 5
business days of signing the advisory contract. Advisory fees are withdrawn directly from
the client’s accounts with client written authorization.

EXAMPLE: For example, a client with $500,000 in assets under management would pay
an annual fee of $5,000 (1.0% of AUM) for investment supervisory services.

Financial Planning Fees

Financial planning services are offered on a fixed-fee basis, with fees ranging from $500
to $20,000. The final fee is determined by the complexity of the client’s financial situation,
the breadth of the planning requested, and the time required to prepare the plan. Clients
will receive a customized quote prior to engaging these services.

 Fees are paid in advance, but never more than six months in advance. Fees that are
charged in advance will be refunded based on the prorated amount of work completed at
the point of termination. The fees are negotiable, and the final fee schedule will be
attached as Exhibit I of the Financial Planning Agreement. Clients may terminate their
contracts without penalty within five business days of signing the advisory contract.

Retirement Plan (401k) Fees

          Total Assets Under Management                   Annual Fee
                  First $1,500,000                           0.75%

              $1,500,001 - $3,000,000                        0.50%

              $3,000,001 - $10,000,000                       0.25%

                    $10,000,001+                             0.10%

Ark Advisors charges an asset-based fee for retirement plan services, which ranges from
0.10% to 0.75% annually, depending on the total assets under management in plan as of
June 30th of the previous year. Fees are negotiable based on specific client needs, the
scope of services provided, and the account size.

The final fee schedule is attached as Exhibit I of the Retirement Plan Services Agreement.
Fees are paid monthly or quarterly in arrears depending on the custodian, and clients
                                                                                   Form ADV 2A
                                                                           Version: January 2026

      may terminate their contracts with written notice. Because fees are charged in arrears, no
      refund policy is necessary. Clients may terminate their accounts without penalty within 5
      business days of signing the advisory contract. Advisory fees are withdrawn directly from
      the participant accounts or can be paid directly by plan trustee. Plan trustees are also
      responsible for all custodian fees, TPA expenses, and applicable 401k audit charges.

      EXAMPLE: For example, a retirement plan with $1,000,000 in assets under management
      would pay an annual fee of $7,500 (0.75% of AUM) for fiduciary and non-fiduciary
      services outlined in Item 4B of Form ADV 2A.

      Services Termination

      Either party may terminate services by providing written notice of termination to the
      other party. If services are terminated within five business days of signing the client
      agreement, services are terminated without penalty.

      No Other Compensation

      Ark does not reasonably expect to receive any other compensation, direct or indirect, for
      its services. If Ark receives any other compensation for such services, Ark will (i) offset
      that compensation against our stated fees, and (ii) will disclose the amount of such
      compensation, the services rendered for such compensation and the payer of such
      compensation to client.

      B. Payment of Fees

      It is important to understand how third-party fees, combined with advisory fees, can
      impact the overall performance of your portfolio. Ark Advisors works to minimize
      these costs where possible, but they are ultimately determined by the providers.

Service                 Fee Type                 Range                Billing Frequency
Investment              Asset-Based Fee          0.25%-1.50% annually Monthly or Quarterly
Supervisory                                                           in Arrears
Financial Planning      Fixed Fee                $500-$20,000         In Advance
Retirement Plan         Asset-Based Fee          0.10%-0.75%          Monthly or Quarterly
Services                                                              in Arrears

                                                                                       Form ADV 2A
                                                                               Version: January 2026

Payment of Investment Supervisory Fees
...

Item 7: Types of Clients
Ark generally provides investment advice and/or management supervisory services to
the following types of clients:

   •   Individuals - Refers to natural persons who seek investment advice or
       management services to meet personal financial goals. These clients may have
       varied levels of investable assets and financial sophistication.
   •   High-Net-Worth Individuals - Defined under SEC rules as individuals or couples
       with a net worth exceeding $2.2 million (excluding the value of their primary
       residence) or those clients wit over $1.1 million in AUM with Ark Advisors.
   •   Pension and Profit Sharing Plans - These include employer-sponsored
       retirement plans that are designed to provide retirement income or deferred
       compensation to participants. Examples include defined benefit plans, 401(k)s,
       and other profit-sharing arrangements.
   •   Charitable Organizations - Nonprofit entities established under Internal
       Revenue Code Section 501(c)(3) or similar provisions. These organizations
       operate for charitable, educational, religious, or other public service purposes and
       may require investment management for endowments, operating reserves, or
       other funds.

Minimum Account Size

There is no account minimum.