Avail Investment Partners LLC

Item 5:      Fees and Compensation

      A.     Fees Charged

      All investment management clients will be required to execute an Investment Management
      Agreement that will describe the type of management services to be provided and the fees,
      among other items. Clients are advised that they may pay fees that are higher or lower than
      fees they may pay another advisor for the same services and may in fact pay lower fees for
      comparable services from other sources. Clients are under no obligation at any time to
      engage or to continue to engage, Avail for investment services.

      Asset Management

      Avail asset management fees generally range from 0% to 1.35% per annum of the net market
      value of a client’s account managed by Avail. Clients may pay a different fee in each account
      dependent on the assets within that account. Fees are negotiable and may be higher or lower
      than this range, based on the nature of the account, and the origin of the client. Factors
      affecting fee percentages include the size of the account, complexity of asset structures, the
      non-management services provided to the client, and any other unique factors that may exist.
      All clients, but especially those with smaller accounts, should be advised they may receive
      similar services from other professionals for higher or lower overall costs.

      529 Plans

      529 plans managed by Avail are charged .25% per annum of the net market value of the 529
      plan account. The fees are deducted directly from the 529 plan account by the custodian.
      Avail in its sole discretion may lower the fee charged on 529 plans.

      B.     Fee Payment

      Financial Planning

      Financial planning services are charged as a flat fee to the client. Financial planning fees
      range from $2,500 to $15,000 depending on the scope of the planning and the complexity of
      the clients financial situation. Fees will be paid by the client either upon engagement of Avail
      or 50% of the fixed fee upon engagement of Avail and 50% upon the completion of services
      as described and mutually agreed upon in the financial planning agreement.

      Asset Management

      For clients whose assets are managed by the firm, investment advisory fees will be debited
      directly from each client’s account in accordance with the annual fee percentage indicated in
      the agreement entered into between Avail and the client. The advisory fee is paid quarterly
      in advance, and the value used for the fee calculation is the last business day of the prior
      quarter. The value of the client’s assets for the purpose of calculating advisory fees will
      include the most recently available value of any private investments in which the client is
      invested. The annual advisory fee percentage is broken down into a daily rate, and then
      Avail multiplies the daily percentage rate by the number of days in the upcoming quarter to
      calculate the quarterly rate. The quarterly rate is then applied to the value as of the last
      business day of the prior quarter to determine the quarterly fee to be charged. To the extent
      there is cash in your account, it will be included in the value for the purpose of calculating
      fees.

      Avail also tracks cash flows into and out of an account throughout the quarter. Avail will
      prorate the quarterly fee based on the days that the cash was active/inactive in the account
      for that prior quarter. This will be included as an additional “prior period” fee or rebate for the

prior quarter on the current cycle billing for the account, along with the full quarter of billing-
Adjustments from the prior quarter would flow through the subsequent period.

Clients whose fees are directly debited will provide written authorization to debit advisory fees
from their accounts held by a qualified custodian chosen by the client. Avail is to invoice the
qualified custodian for fees. Each quarter, the client will receive a statement from their
account custodian showing all transactions in their account, including the fee. Avail
encourages clients to carefully review the statements and confirmations sent to them by their
custodian, and to compare the information on reports prepared by Avail against the
information in the statements provided directly from the custodian. Please alert Avail of any
discrepancies.

Sub‐Advisory Fees

As discussed in Item 4, Avail utilizes the services of sub‐advisers to manage client accounts.
Fees for the sub-advisor services are included in the total fee charged to the client by Avail
and are calculated as described above in accordance with the client advisory agreement.
AssetMark deducts the stated client fee from the client account, retains their portion of the
fee as per the contract with Avail, and then distributes the remaining revenue to Avail.

C.     Other Fees

There are a number of other fees that can be associated with holding and investing in
securities. Expenses of a mutual fund or ETF will not be included in management fees, as
they are deducted from the value of the shares by the manager. When selecting mutual
funds that have multiple share classes for recommendation to clients, Avail will take into
account the internal fees and expenses associated with each share class, and it is Avail
policy to choose the lowest-cost share class available, absent circumstances that dictate
otherwise. For complete discussion of expenses related to each mutual fund or ETF, you
should read a copy of the prospectus issued by that fund. Avail can provide or direct you to
a copy of the prospectus for any fund that we recommend to you. Fees charged by
independent third party managers are also separate and additional to any fees paid to Avail.

Please make sure to read Item 12 of this informational brochure, where we discuss broker-
dealer and custodial issues.

D.     Pro-rata Fees
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Item 7:      Types of Clients

      Clients advised may include individuals, families, trusts, charitable organizations and
      foundations, businesses, and pension plans. Avail does not impose a stated minimum fee or
      minimum portfolio value for starting or maintaining an investment advisory relationship.