Embark Wealth Management LLC

Item 5: Fees and Compensation

 A. Fee Schedule

Investment Supervisory Services Fees

            Total Assets Under Management                 Annual
                                                           Fee
                    $1 - $100,000                          1.50%

                 $100,001 - $200,000                       1.40%

                 $200,001 - $300,000                       1.30%

                 $300,001 - $400,000                       1.20%

                 $400,001 - $500,000                       1.10%

                  Above $500,000                           1.00%

 These fees are negotiable depending upon the needs of the client and complexity of
 the situation, and the final fee schedule is attached as Exhibit II of the Investment
 Advisory Contract. Fees are paid quarterly in advance, and clients may terminate
 their contracts with three days’ written notice.

 Refunds are given on a prorated basis, based on the number of days remaining in a
 quarter at the point of termination. Fees that are collected in advance will be refunded
 based on the prorated amount of work completed up to the day of termination within
 the quarter terminated. The fee refunded will be the balance of the fees collected in
 advance minus the daily rate* times the number of days in the quarter up to and
 including the day of termination. (*The daily rate is calculated by dividing the
 quarterly AUM fee by the number of days in the termination quarter).

 Clients may terminate their contracts without penalty, for full refund, within 5
 business days of signing the advisory contract. Advisory fees are withdrawn directly
 from the client’s accounts with client written authorization. If fees are withdrawn
 directly from client accounts: In cases where Advisor fees are directly deducted,
 Advisor is required to a.) Obtain client authorization, b.) Send a copy of the invoice to
 the client at the same time that the IA directs invoice to the custodian for payment, c.)
 Disclose that the custodian will send quarterly invoices to the client wherein Advisor
 fees are itemized.

Financial Planning Fees

 Fixed Fees

 The fixed rate financial planning services ranges between $49 and $99 per month. The fees
 are negotiable, and the final fee schedule will be attached to the Financial Planning
 Agreement.

 Hourly Fees

 The hourly fee for these services is $250. The fees are negotiable, and the final fee schedule
 will be attached to the Financial Planning Agreement.

Clients may terminate the agreement without penalty, for full refund of EWM’s fees, within
five business days of signing the Financial Planning Agreement. Thereafter, clients may
terminate the Financial Planning Agreement with written notice.

B. Payment of Fees
Payment of Investment Supervisory Fees

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization. Fees are paid quarterly in advance.

Payment of Financial Planning Fees

Fixed and Hourly Financial Planning fees are withdrawn directly from the client’s accounts
with client’s written authorization or may be invoiced and billed directly to the client and
clients may select the method in which they are billed. Fees are paid via cash, check or wire.

Fixed Financial Planning Fees are paid monthly in advance.

Hourly Financial Planning Fees are paid partially up front with the balance due upon
completion of the engagement. EWM does not require prepayment of more than $500 in fees
per client, six months or more in advance.

C. Clients Are Responsible for Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e. custodian fees,
mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the
fees and expenses charged by EWM. Please see Item 12 of this brochure regarding
broker/custodian.

D. Prepayment of Fees

EWM collects fees in advance. Fees that are collected in advance will be refunded

      based on the prorated amount of work completed at the point of termination and the
      total days during the billing period. Fees will be returned within fourteen days to the
      client by being deposited back into client account.

      The fee refunded will be the balance of the fees collected in advance minus the daily
      rate* times the number of days in the quarter up to and including the day of
      termination. (*The daily rate is calculated by dividing the quarterly AUM fee by the
      number of days in the termination quarter).

      Fixed fees that are collected in advance will be refunded based on the prorated amount of
      work completed at the point of termination.

      For hourly fees that are collected in advance, the fee refunded will be the balance of the
      fees collected in advance minus the hourly rate times the number of hours of work that
      has been completed up to and including the day of termination.

      E. Outside Compensation for the Sale of Securities to Clients

      Barclay Vajda and Timothy Milkwick.in their outside business activities (see Item 10
      below) are licensed to accept compensation for the sale of investment products to
      EWM clients. This presents a conflict of interest and gives the supervised person an
      incentive to recommend products based on the compensation received rather than on
      the client’s needs. When recommending the sale of securities or investment products
      for which the supervised persons receive compensation, EWM will document the
      conflict of interest in the client file and inform the client of the conflict of interest.
      Clients always have the right to decide whether to purchase EWM-recommended
      products and, if purchasing, have the right to purchase those products through other
      brokers or agents that are not affiliated with EWM.

      Commissions are not EWM’s primary source of compensation for advisory services.
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Item 7: Types of Clients
EWM generally provides management supervisory services to the following types of
clients:

         ❖   Individuals
         ❖   High-Net-Worth Individuals
         ❖   Pension and Profit-Sharing Plans
         ❖   Small Business

Minimum Account Size
There is no account minimum.