Clearview Investment Partners LLC

Item 5. Fees and Compensation

         CVIP offers its services on a fee basis, which can include fixed fees as well as fees based upon assets
         under management.

         Wealth Management Fee
         CVIP provides investment management services for an annual fee based upon a percentage of the market
         value of the assets being managed by CVIP. CVIP’s annual fee is exclusive of, and in addition to brokerage
         commissions, transaction fees, and other related costs and expenses which are incurred by the client. CVIP
         does not, however, receive any portion of these commissions, fees, and costs. CVIP’s annual fee is prorated
         and charged quarterly, in advance, based upon the market value of the assets being managed by CVIP on
         the last day of the previous quarter. The annual fee varies (between 0.10% and 1.25%) depending upon
         the market value of the assets under management and the type of \wealth management services to be
         rendered, as follows:

         Equity & Balanced

                                 PORTFOLIO VALUE                            ANNUAL FEE

                                 up to $250,000                                      1.25%
                                 $250,001 - $500,000                                 1.10%
                                 $500,001 - $1,000,000                               1.00%
                                 $1,000,001 - $2,000,000                             0.85%
                                 $2,000,001 - $5,000,000                             0.65%
                                 above $5,000,000                               Negotiable

         Fixed

                                 PORTFOLIO VALUE                            ANNUAL FEE

                                 up to $250,000                                      1.00%
                                 $250,001 - $500,000                                 0.85%
                                 $500,001 - $1,000,000                               0.70%
                                 $1,000,001 - $2,000,000                             0.55%
                                 $2,000,001 - $5,000,000                             0.40%
                                 above $5,000,000                               Negotiable

         Clearview Investment Partners, LLC                                          Disclosure Brochure

         Managed (Equity & Balanced)

                                PORTFOLIO VALUE                                ANNUAL FEE

                                up to $250,000                                          0.80%
                                $250,001 - $500,000                                     0.70%
                                $500,001 - $1,000,000                                   0.60%
                                $1,000,001 - $2,000,000                                 0.50%
                                $2,000,001 - $5,000,000                                 0.40%
                                above $5,000,000                                        0.25%

         Managed (Fixed Income)

                                PORTFOLIO VALUE                                ANNUAL FEE

                                up to $250,000                                          0.40%
                                $250,001 - $500,000                                     0.35%
                                $500,001 - $1,000,000                                   0.30%
                                $1,000,001 - $2,000,000                                 0.20%
                                above $2,000,000                                        0.10%

         Certain pre-existing clients may be subject to a different fee schedule. Moreover, certain wealth
         management accounts may be subject to a fixed fee, which is negotiated prior to rendering the services.

         CVIP, in its sole discretion, may negotiate to charge a lesser management fee based upon certain criteria
         (i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
         managed, related accounts, account composition, pre-existing client, account retention, pro bono activities,
         etc.).

         Fees Charged by Financial Institutions
         As further discussed in response to Item 12 (below), CVIP generally recommends that clients utilize the
         brokerage and clearing services of Charles Schwab & Co., Inc. (“Schwab”) for investment management
         accounts.

         CVIP may only implement its investment management recommendations after the client has arranged for
         and furnished CVIP with all information and authorization regarding accounts with appropriate financial
         institutions. Financial institutions include, but are not limited to, Schwab, any other broker-dealer
         recommended by CVIP, broker-dealer directed by the client, trust companies, banks etc. (collectively
         referred to herein as the “Financial Institutions”).

         Clearview Investment Partners, LLC                                           Disclosure Brochure

         In addition to CVIP’s fees, clients incur certain charges imposed by the Financial Institutions and other third
         parties such as fees charged by Independent Managers (as defined below), custodial fees, charges
         imposed directly by a mutual fund or ETF in the account, which are disclosed in the fund’s prospectus (e.g.,
         fund management fees and other fund expenses), margin costs, reporting charges, fees related to
         alternative investments, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and
         electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions.
...

Item 7. Types of Clients
          CVIP provides its services to individuals, trusts, estates, corporations and business entities.

          Minimum Account Size
          As a condition for starting and maintaining a relationship, CVIP generally imposes a minimum portfolio size
          of $250,000. CVIP, in its sole discretion, may accept clients with smaller portfolios based upon certain
          criteria including anticipated future earning capacity, anticipated future additional assets, dollar amount of
          assets to be managed, related accounts, account composition, pre-existing client, account retention, and
          pro bono activities. CVIP only accepts clients with less than the minimum portfolio size if, in the sole opinion
          of CVIP, the smaller portfolio size will not cause a substantial increase of investment risk beyond the client’s
          identified risk tolerance. CVIP may aggregate the portfolios of family members to meet the minimum
          portfolio size.

          Additionally, certain Independent Managers may impose more restrictive account requirements and varying
          billing practices than CVIP. In such instances, CVIP may alter its corresponding account requirements
          and/or billing practices to accommodate those of the Independent Managers.

          Clearview Investment Partners, LLC                                           Disclosure Brochure