Aviator Financial Consulting LLC

Item 5: Fees and Compensation
Portfolio Management Fees

A. Fee Schedule

               Total Assets Under Management                     Annual Fees
               The First $0 - $1,000,000                         1.00%

               The Next $1,000,001 - AND UP                      0.75%

            The advisory fee is calculated using the value of the assets in the Account on the last business
            day of the prior billing period and certain assets can be excluded from billing.

            These fees are generally negotiable and the final fee schedule will be memorialized in the
            client’s advisory agreement. Clients may terminate the agreement without penalty for a full
            refund of AFCL's fees within five business days of signing the Investment Advisory Contract.
            Thereafter, clients may terminate the Investment Advisory Contract generally with 3 days'
            written notice.

B. Payment of Fees
           Payment of Portfolio Management Fees

            Asset-based portfolio management fees are withdrawn directly from the client's accounts
            with client’s written authorization on a quarterly basis. Fees are paid in advance.
C. Client Responsibility For Third Party Fees
            Clients are responsible for the payment of all third-party fees (i.e. custodian fees, brokerage
            fees, mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the
            fees and expenses charged by AFCL. Please see Item 12 of this brochure regarding broker-
            dealer/custodian.

D. Prepayment of Fees
            AFCL collects fees in advance. If applicable, AFCL will submit a pro-rated refund to the client’s
            custodian upon notification. The custodian will then be responsible for processing the client’s
            refund. For all asset-based fees paid in advance, the fee refund will be equal to the balance of
            the fees collected in advance minus the daily rate* times the number of days elapsed in the
            billing period up to and including the day of termination. (*The daily rate is calculated by dividing
            the annual asset-based fee rate by 365.)

            Please note, deposits made by the accountholder(s) or on the accountholder(s) behalf, after
            AFCL quarterly billing period, at AFCL discretion, may be prorated and billed at the time of
            deposit.
    E. Outside Compensation for the Sale of Securities to Clients
            Neither AFCL nor its supervised persons accept any compensation for the sale of investment
            products, including asset-based sales charges or service fees from the sale of mutual funds.

Item 7: Types of Clients
         AFCL generally provides advisory services to the following types of clients:

         •       Individuals
         •       High-Net-Worth Individuals

         AFCL generally has a standard account minimum of $500,000. AFCL retains the right to make an
         exception to this minimum.