Gimbal Financial LLC

Item 5 – Fees and Compensation

The amount of advisory fees will be disclosed prior to services being provided and agreed upon in
the appropriate written investment advisory agreement.

Wrap Program

The advisory fee for individuals and 401k plans within the Wrap is based on a percentage of the
market value of your account according to the schedule below. Fees can be negotiated between
Gimbal and the client. Advisory fees are billed monthly in arrears and calculated based on the
account’s market value on the last business day of the month. You may choose to have the
advisory fee deducted from another account managed by Gimbal or choose direct billing. For
direct billing, Gimbal will provide you with an invoice for the advisory fee and you may pay the
fees by check made payable to and delivered to Gimbal Financial.

      Market Value of Accounts                    Annual Advisory Fee
      $0 - $999,999                               1.25%
      $1,000,000 - $1,999,999                     1.00%
      $2,000,000 - $4,999,999                     0.90%
      $5,000,000 +                                Negotiable

You may terminate the agreement for services with us at any time with written notice.

For additional information, refer to Item 12 – Brokerage Practices.

For additional information pertaining to Gimbal’s Wrap Brochure, Form ADV, Appendix 1.

Retirement Plan Consulting Services

The retirement plan consulting fee is based on a percentage of the market value of plan assets
as agreed upon between Gimbal and the plan sponsor in the written consulting services
agreement. Fees are negotiable between Gimbal and the plan sponsor, and the maximum annual
fee is 0.50%. Fees are billed monthly in arrears and calculated based on the plan assets on the
last business day of the month. Fees may be paid directly by the plan sponsor or out of plan
assets by a service provider or other third party, as authorized by the plan sponsor. Upon
termination of the written consulting services agreement, fees will be due to Gimbal based on a
pro-rata basis for the number of days during the month for which retirement plan consulting
services were provided and based on the market value of plan assets as of the date of termination.

Variable Annuity Consulting Services for Mutual Securities

Gimbal receives a consulting services fee from Mutual Securities ranging from 0.25% to 0.75%
based on the value of assets held in brokerage customers’ accounts that have entered into a
consulting services agreement with Gimbal. This fee is paid to Gimbal by Mutual Securities on a
quarterly basis, and the consulting fee is calculated based on the value of assets as of the end of
the calendar quarter.

Client should be aware that in certain circumstances Mutual Securities will receive compensation
from the mutual fund and/or variable annuity sponsors including but not limited to, 12b-1 fees,
revenue sharing fees, networking fees, or transfer agent fees.

Mutual Securities will also receive commissions to the extent you purchase additional investment
holdings through them or liquidate any holdings that contain a contingent deferred sales charge.

Client should also be aware that the insurance company issuing the variable annuity contract
imposes additional charges on variable annuity assets, including mortality, expense and
administrative charges, fees for additional riders purchased by you on the contract, and charges
for excessive transfers within a calendar year if imposed by the variable annuity sponsor. Gimbal
does not receive any portion of these fees.

Service Support and “Soft Dollars”

Gimbal may receive support services and/or products from Fidelity, Mutual Securities, the variable
annuity sponsor or insurance company, and various mutual fund companies, which assist Gimbal

to better manage, and service client accounts. However, many of these services benefit only
Gimbal, for example, services that assist Gimbal in growing its business. These support services
and/or products may be received without cost, at a discount, and/or at another negotiated rate,
and may include the following. These services may include:

      1. investment-related research and tools
      2. pricing information and market data
      3. software and other technology that provide access to client account data
      4. technology to facilitate trade execution
      5. receipt of duplicate client statements and confirmations
      6. assist with back-office functions
      7. recordkeeping
      8. compliance and/or practice management-related publications
      9. consulting services
      10. attendance at conferences, meetings, and other educational and/or social events
      11. marketing support
      12. other products to further their investment advisory business operations

Clients do not pay more for services because of this arrangement, and we do not accept soft
dollars.

Item 7 – Types of Clients

Gimbal provides services to individuals, trusts, estates, small businesses, retirement plans, and
Mutual Securities Inc.