Candor Financial LLC

Item 5: Fees and Compensation

Candor offers two services to employees, each with a separate fee:

•   Establishment of a trading plan pursuant to Rule 10b5-1, for which clients pay a flat fee of
    $250/year
•   Portfolio management for proceeds of the trading plan, for which clients pay an annual
    advisory fee of 0.75% of assets under management (AUM)

Candor’s fees are negotiable and we may offer promotions from time to time, including
waivers, reductions and discounts of the standard fee.

Candor has is no account minimum. Candor requires clients use Apex Clearing as custodian.
Candor’s fees are debited from the client's account at the custodian. Fees are paid monthly in
arrears.

Termination of the Advisory Relationship: Clients may terminate the agreement for any
reason upon receipt of written notice.

Mutual Fund Fees: All fees paid to Candor Financial LLC for investment advisory services are
separate and distinct from the fees and expenses charged by mutual funds and/or ETFs to
their shareholders. These fees and expenses are described in each fund's prospectus. These
fees will generally include a management fee, other fund expenses, and a possible
distribution fee. If the fund also imposes sales charges, a client may pay an initial or deferred
sales charge. A client could invest in a mutual fund directly, without our services. In that case,
the client would not receive the services provided by our firm which are designed, among
other things, to assist the client in determining which mutual fund or funds are most
appropriate to each client's financial condition and objectives. Accordingly, the client should
review both the fees charged by the funds and our fees to fully understand the total amount
of fees to be paid by the client and to thereby evaluate the advisory services being provided.

Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible
for the fees and expenses charged by the custodian (Apex Clearing), including, but not
limited to, any transaction charges imposed by the custodian/broker dealer with which an
independent investment manager effects transactions for the client's account. Such fees are
described in the pricing term sheet available at https://candor.co/documents/miscellaneous-
pricing-term-sheet.pdf and may change from time to time. Please refer to the "Brokerage
Practices" section (Item 12) of this Form ADV for additional information.

Item 7: Types of Clients

Candor provides investment advice to individuals who are U.S. citizens or lawful residents of
the U.S. Candor generally offers advisory services to the following types of clients:

    •   Individuals
    •   High-Net-Worth Individuals
    •   Corporations

There is no account minimum.