Braeburn Wealth Management LLC

ITEM 5: FEES, COMPENSATION AND
                TERMINATION OF SERVICES

   A. FEE SCHEDULES

   Braeburn Wealth Management is only compensated for advisory services in the
   following manner: A percentage of assets under management and hourly or project-
   based fees (using the Adviser’s hourly rate as a guide for larger projects), which are
   dependent upon the nature and scope of the engagement).

   1. Advisory fees for Investment Management Services. Investment Management
   fees are payable quarterly and in advance. Fees are computed at a percentage of
   assets under management and based upon the portfolio’s fair market value, as
   determined by the client’s custodian, as of the last trading day of the relevant calendar
   quarter. A pro-rated fee is calculated for services initiated at any time other than at the
   beginning of a calendar quarter. A pro-rated fee is also applied for additional funds
   added to the portfolio at any time during a given quarter. In the absence of a custodial
   market value for a managed asset, the advisory fee will be agreed upon between
   Adviser and client and set forth in the Client Agreement.

   Braeburn Wealth Management’s fees for discretionary Investment Management
   Services are as follows:

   For assets invested in Mutual Funds the Adviser’s annual fee is 1.15% annually.

   For assets invested in Exchange Traded Funds the Adviser’s annual fee is 1.15%
   annually.

   Assets invested in Stocks are invoiced at the Adviser’s annual fee of 1.50% annually.

Braeburn Wealth Management, LLC                 12
Braeburn Wealth Management, LLC

   Investment Management fees are determined and at the time of engagement and are
   set forth in the Client Agreement. The Adviser’s Investment Management fees may be
   modified at the time of an engagement based upon individual circumstances, the
   complexity of services, additional resources required, and at the discretion of the
   Adviser. The Adviser may offer to manage a portfolio for a single, fixed asset based
   annual fee for certain client relationships (based upon asset size, scope of services, etc.,
   at the Adviser’s discretion).

   During the engagement, Investment Management fees may be modified in certain
   circumstances due to significant changes in the scope of the engagement, nature and/or
   complexity of services. The Adviser reserves the right to modify the management fee
   with 30 days written notice such as when the scope of the engagement or complexity of
   services has changed. Should the client decide not to accept the fee adjustment, the
   client is welcome to terminate services at any time.

   If Investment Management clients require additional consultation or financial planning
   services which are outside the scope of the Adviser’s Investment Management
   Services, the Adviser’s $200 hourly fee will apply. Braeburn Wealth Management will
   not engage in services resulting in additional fees without the expressed authorization
   of the client. In such cases, the Adviser’s consultation fee will be invoiced in arrears.
   Invoices for hourly services are due upon receipt. Late fees are invoiced for payments
   not received after10 days at a rate of 1.5% monthly.

   Either party may terminate the agreement for Investment Management Services by
   written notice to the other. In the event either party terminates the Adviser’s Investment
   Management Services the Adviser shall calculate a pro-rated refund which will be
   promptly refunded to the client. However, if termination occurs within five business
   days of entering into an agreement for such services and the client has not received the
   Adviser’s ADV Part 2 brochures at least 48 hours prior to engagement, no fees shall be
   due or the client shall be entitled to a full refund of prepaid advisory fees.

   2. Fees associated with Financial Planning and Consultation Services are
   determined at the time of engagement. The Adviser fees are based upon the time and
   effort required and/or the nature and complexity of services. Fees are computed at an
   hourly rate of $200 or for larger projects the Adviser may propose a project-based fee.
   In such cases, the project fee will be calculated using the Adviser’s hourly rate as a
   guide.

   Financial Planning and Consultation fees are generally due and payable upon delivery
   of the services. However, for larger projects, a retainer (equal to ½ of the proposed
   project fee) may be required at the time of engagement in order to schedule the
   project. In such cases, the balance will be invoiced upon the delivery of services.

   Clients may terminate services within 5 days of engagement with no fees due (or a full
   refund of any pre-paid retainer will be promptly returned) if the Adviser’s Form ADV
   Part 2 was not delivered at least 48 hours prior to engagement. Otherwise, Financial
   Planning and Consultation Services may be terminated prior to the conclusion of
   services upon receipt of written notice by either party however; the client agrees to
   submit payment for time and effort incurred by the Adviser up until the effective date of
   termination. In such cases, invoices are due within 10 days of receipt. Consultation
   agreements otherwise terminate upon delivery and completion of services. As with

Braeburn Wealth Management, LLC                13
Braeburn Wealth Management, LLC

   other advisory services, late fees are invoiced for late payments at a rate of 1.5%
   monthly.

   Should the client’s condition change during the course of services such that new
   advice, recommendations, re-evaluation or research are required, additional fees may
   apply. The Adviser will not engage in additional services that result in new fees
   without the client’s approval.

   3. General Newsletter Services are complimentary.

   4. General Educational Workshops for Individuals and Corporations are
      complimentary.
...

ITEM 7: TYPES OF CLIENTS
                 AND MINIMUM ACCOUNT SIZE

   Braeburn Wealth Management is available to provide advisory services to individuals, high
   net worth individuals, trusts, estates, pension and profit sharing plans, charitable
   organizations, corporations and other business entities.

   If an account is subject to the Employee Retirement Income Security Act of 1974, as
   amended, (“ERISA”), the Adviser acknowledges that Adviser is a fiduciary within the
   meaning of the Act and the ERISA Client is a named fiduciary with respect to the control
   or management of the assets in the Account. In each instance, the Client will agree to
   obtain and maintain a bond satisfying the requirements of Section 412 of ERISA and to
   include the Adviser and the Adviser’s principals, agents, and employees under those
   insured under that bond and will deliver to the Adviser a copy of the governing plan
   documents. If the Account assets for which the Adviser provides services represent only
   a portion of the assets of an employee benefit plan, Client will remain responsible for
   determining an appropriate overall diversification policy for the assets of such plan.

   Braeburn Wealth Management requires a minimum relationship size of $100,000 for
   clients retaining Investment Management Services. The Adviser may accept portfolios
   not meeting the minimum, where special circumstances exist, for certain pre-existing
   relationships, where the client is likely to meet the minimum within a reasonable time
   period, for family members of the Adviser’s staff, and at the sole discretion of the
   Adviser.

   Financial Planning Services and Consultation Services are available for those clients
   not meeting the minimum relationship size who do not desire intensive Investment
   Management Services. There are no minimum fee or asset requirements for these
   services.

   The Adviser reserves the right to decline to provide investment advisory services to any
   person or firm in its sole discretion and for any reason.

     ITEM 8: METHOD OF ANALYSIS, INVESTMENT
           STRATEGIES AND RISK OF LOSS

   A. METHODS OF ANALYSIS AND INVESTMENT STRATEGIES

   Braeburn Wealth Management understands that each client presents a unique set of
   goals, values, interests, objectives, time horizons and challenges. The Adviser seeks
   to provide individualized attention to each type of investor who may engage the
   Adviser for services.

   Based upon information provided by the client, the Adviser attempts to evaluate an
   investor’s risk tolerance, time horizon, goals and objectives through an interview and
   data-gathering process in an effort to determine an investment plan or strategy to best fit

Braeburn Wealth Management, LLC                17
Braeburn Wealth Management, LLC

   the investor’s profile.

   Client participation and the client’s delivery of accurate and complete information are
   critical to the Adviser’s processes. In performing its services, the Adviser shall not be
   required to verify any information received from the client or from the client’s other
   professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on
   such information.

   The Adviser may recommend the services of itself, its Advisory Representatives in their
   individual capacities as investment managers and independently licensed
   insurance/annuity representatives, and other professionals to implement its
   recommendations. Clients are advised that a conflict of interest exists if the Adviser
   recommends its own services or those of affiliated entities.

   Any professional referrals the Adviser may provide upon request (i.e., accounting
   professionals, legal professionals, etc.) are solely a professional courtesy and the
   Adviser receives no direct or indirect compensation as a result of referrals.

   Clients are under no obligation to act upon any of the recommendations made by the
   Adviser under a financial planning and/or consultation engagement and/or engage the
   services of any such recommended professional, including the Adviser itself. In such
   cases, clients retain absolute discretion over all implementation decisions and are free to
   accept or reject any of the Adviser’s recommendations.

   In providing individualized Investment Management Services to its clients, the Adviser
   Is available to provide advisory services for portfolios ranging from capital preservation
   to aggressive, each designed to meet the varying needs of and within the direction set
   forth by the investors. The Adviser selects the portfolio best suited to the client’s
   individual stated needs and goals after clients have defined their objectives, risk
   tolerance and time horizons, and the selection is approved by the client.

   During Braeburn Wealth Management’s engagement to providing ongoing Investment
   Management Services, clients are advised to promptly notify the Adviser if there are
   ever any changes or prospective changes in their financial situation or investment
   objectives or if clients wish to impose any reasonable restrictions upon the Adviser’s
   management services. Where the investment strategies are changed or where
   restrictions are applied, these changes will be documented in writing as they are agreed
   upon between both parties.

   The Adviser may utilize one or more of the following methods of analysis described in
   this section. Braeburn Wealth Management’s overall goal in devising strategies is not
   an effort to time the market. The Adviser takes the position that no single strategy can
   be relied upon in an effort to outperform the market. Research, investment
   information, and certain proprietary analyses are drawn upon in an effort to provide
   clients with personalized and innovative advisory services. Managed investment
...