Farther Asset Management LLC

Item 5           Fees and Compensation

   A.
                                  INVESTMENT ADVISORY SERVICES
         Under the Program, FAM is able to offer participants discretionary investment
         management services, for a single specified annual Program fee, inclusive of trade
         execution, custody, reporting, account maintenance, investment management fees, and in
         some instances, fees charged by independent managers and/or separately managed
         accounts.

         The current annual Program fee ranges from negotiable to 0.50%, of assets under
         management, depending upon the complexity of the account, the amount of the client assets
         in the Program and the independent/separately managed accounts utilized by the client’s
         investment portfolio.

         FAM’s Program generally includes tax loss harvesting services. However, when managing
         tax deferred accounts, FAM cannot implement its tax loss harvesting strategies.

         Clients may be responsible for, but not limited to, fees for trades executed away from the
         account’s custodian, trustee fees, mutual fund internal expenses, ETF internal expenses,
         mark-ups, mark-downs, transfer taxes, fees charged by independent managers and/or
         separately managed accounts (when such managers require the client to enter into a dual
         contract relationship) odd lot differentials, exchange fees, interest charges, American
         Depository Receipt agency processing fees, and any charges, taxes or other fees mandated
         by any federal, state or other applicable law or otherwise agreed to with regard to client
         accounts (Such fees are in addition to any fees paid by the client to FAM and are between
         the client and the account custodian). These fees are in addition to FAM’s Program fee.

   B. Clients may elect to have FAM’s advisory fees deducted from their custodial account. Both
      FAM's Investment Advisory Agreement and the custodial/clearing agreement may
      authorize the custodian to debit the account for the amount of FAM's investment advisory
      fee and to directly remit that management fee to FAM in compliance with regulatory
      procedures. In the limited event that FAM bills the client directly, payment is due upon
      receipt of FAM’s invoice.

   C. As discussed below, unless the client directs otherwise or an individual client’s
      circumstances require, FAM generally recommends that Charles Schwab Corporation
      (“Schwab”), Apex Clearing Corporation, (“Apex”), Fidelity Investments (“Fidelity”)
      and/or Pershing, LLC (“Pershing”) serve as the broker-dealer/custodian for client
      investment management assets. Broker-dealers such as Schwab, Apex, Fidelity and
      Pershing charge brokerage commissions and/or transaction fees for effecting certain
      securities transactions. However, under FAM’s Program, FAM shall generally be
      responsible for these fees.

   D. FAM's annual investment advisory fee shall be prorated and paid monthly, in advance,
      based upon the market value of the assets, on the last business day of the previous month.

         The Investment Advisory Agreement between FAM and the client will continue in effect

         until terminated by either party by written notice in accordance with the terms of the
         Investment Advisory Agreement. Upon termination, FAM shall refund the pro-rated
         portion of the advanced advisory fee paid based upon the number of days remaining in the
         billing quarter.

   E. Neither FAM, nor its representatives accept compensation from the sale of securities or
      other investment products.

Item 7           Types of Clients

         FAM’s clients shall generally include individuals, trusts and estates.

         FAM, in its sole discretion, may charge a lesser investment management fee based upon
         certain criteria (i.e., anticipated future earning capacity, anticipated future additional assets,
         dollar amount of assets to be managed, householdings of related accounts, account
         composition, negotiations with client, etc.).