Coign Capital Advisors LLC

Item 5: Fees & Compensation

    How We Are Compensated for Our Advisory Services

    Asset Management:

                      Assets Under Management         Annual Percentage of Assets Charge
                          Less than $750,000                       1.25%
                        $750,001 to $2,500,000                     1.00%
                       $2,500,001 to $5,000,000                    0.75%
                           Over $5,000,000                  Negotiable from 0.75%

                                Cash Alts             Annual Percentage of Assets Charge
                           Less than $750,000                      0.25%
                         $750,001 to $2,500,000                    0.20%
                            Over $2,500,001                        0.15%

    Our firm’s annualized fees are billed on a pro-rata basis quarterly in advance based on the value of
    your account on the last day of the previous quarter. For alternative investments that are not valued
    on a quarterly basis, our firm assesses an advisory fee based upon the most recently available
    valuation. Fees may be negotiable depending on the scope and complexity of the engagement.
    Advisory fees will be deducted from your managed account. As part of this process, the client is made
    aware of the following:

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         a) Your independent custodian sends statements at least quarterly to you showing the market
            values for each security included in the assets and all disbursements in your account
            including the amount of the advisory fees paid to us.
         b) You provide authorization permitting us to be directly paid by these terms. We send our
            invoice directly to the custodian.
         c) If our firm sends a copy of our invoice to you, it will include a disclosure urging you to
            compare the information provided in our statement with those provided by the qualified
            custodian.

    Clients who have over $10 million in assets under management may negotiate a flat fee for our asset
    management service. The flat fee will be dependent on the scope and complexity of the engagement.
    In any case, the total fee will not exceed 0.75% of the assets under management. Assets under
    management may also include assets that are held away. Our firm bills on cash unless we anticipate
    a liquidity event occurring during the quarter.

    When utilizing Third Party Money Managers in client accounts, the compensation will typically equal a
    percentage of the overall investment advisory fee charged by our firm or an agreed upon fixed fee.
    Management of your assets by these managers will incur additional and separate fees that usually range
    anywhere between twenty-five (25) to fifty (50) basis points of the total advisory fee. In no case will the
    total advisory fee exceed 3% of the assets under management. The fees may have an adverse effect on
    client returns as the total fee may exceed 2%. Clients should be aware that other investment advisory
    firms may charge the same or lower fees than our firm for similar services.

    Iliad:

    The maximum total fee charged for our Iliad service will not exceed 0.75% of assets under management.
    The fee is split between our firm and Betterment Securities, which charges 0.20% of assets under
    management. Fees are billed on a pro-rata annualized basis quarterly in advance based on the average
    daily balance of your account during the previous quarter. Fees will generally be automatically deducted
    from your managed account. As part of this process, you understand and acknowledge the following:

         a) Your independent custodian sends statements at least quarterly to you showing the market
            values for each security included in the assets and all disbursements in your account
            including the amount of the advisory fees paid to us.
         b) You provide authorization permitting us to be directly paid by these terms. We send our
            invoice directly to the custodian.
         c) If our firm sends a copy of our invoice to you, it will include a disclosure urging you to
            compare the information provided in our statement with those provided by the qualified
            custodian.

    Financial Planning & Consulting:

    We charge on a flat fee basis for Financial Planning & Consulting services. The total estimated fee, as
    well as the ultimate fee that we charge you, is based on the scope and complexity of our engagement
    with you. Our flat fees generally range from $700 to $5,000. Fees are determined based on the
    number of areas that need to be addressed per plan and/or consultation and the number of hours
    that will take to address the number of areas. The more areas that a plan and/or consultation
    addresses, the higher the fee will be. Plans or consultations are typically completed within six (6)
    months of the client signing a contract with us. The remainder of the 6 month period of the contract
    will be used to review and make updates to the work that has been completed.

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    Flat fees will be charged on annual basis for ongoing Financial Planning & Consulting services. The
    annual fee will be billed within 30 days after the annual date when the contract was signed or as
    agreed to between the client and our firm. The service automatically renews annually but may be
    cancelled at any time upon receipt of your written request for termination.

    The Financial Planning & Consulting fee will be due within 90 days of the execution of the agreement.
...

Item 7: Types of Clients & Account Requirements

    We have the following types of clients:
       • Individuals and High Net Worth Individuals
       • Trusts, Estates or Charitable Organizations
       • Pension and Profit Sharing Plans
       • Corporations, Limited Liability Companies and/or Other Business Types

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    Account Requirements

    We require a minimum household balance of $250,000 for our Asset Management service. This
    minimum account balance requirement may be negotiable depending on the scope and complexity
    of the engagement.

    Clients with accounts whose aggregated value sums up to less than $500,000 shall be managed upon
    obtaining the client’s consent to pay an advisory fee of $60 per account on an annual basis paid
    quarterly. The total cost to the client for our Asset Management service shall not exceed 3% of the
    client’s total assets under management.

    We do not have a minimum household balance for our Iliad service.