Green Square Wealth Management LLC

Item 5.       Fees and Compensation
Green Square offers its services on a fee basis, which may include fixed fees, as well as fees
based upon assets under management and in certain situations performance-based
compensation.

Financial Planning and Consulting Fees
Green Square may charge a fixed fee to provide clients with standalone financial planning
and consulting services. These fees are negotiable and are agreed upon prior to the
rendering of any such services. These fees are largely determined by the level and scope of
the services and the professional engaged to render them. If the client engages Green
Square for additional investment advisory services, Green Square may offset all or a portion
of its fees for those services based upon the amount paid for the financial planning and/or
consulting services.

Prior to engaging Green Square to provide financial planning and/or consulting services,
the client is required to enter into a written agreement with Green Square setting forth the
terms and conditions of the engagement. Green Square may require all or a portion of said
fee payable upon entering into the Agreement, in which case the balance is generally due
upon delivery of the financial plan or completion of the agreed upon services.

Investment Management and Wealth Management Fees
Green Square provides investment and wealth management services for an annual fee
based upon a percentage of assets under management. Green Square’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. Green Square does not, however,
receive any portion of these commissions, fees, and costs.

Green Square’s annual fee is prorated and charged quarterly, either in advance or arrears.
The fee valuation is based upon the average account value for the last day of the previous
three months or the average daily balance for the previous three months. This average is
taken from the billing quarter for accounts billed in arrears and from the previous quarter
for accounts billed in advance.

The annual fee varies between 10 and 150 basis points (i.e., 0.10% and 1.50%) depending
upon the market value of the assets under management and the type of investment or
wealth management services to be rendered.

Additionally, Green Square or its related persons may be paid performance-based
compensation, which is compensation based on a share of capital gains or capital
appreciation of the assets of a client.

Green Square, 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), Green Square generally recommends
that clients utilize the brokerage and clearing services of Charles Schwab & Co., Inc.
(“Schwab”) and/or Fidelity Institutional Wealth Services (“Fidelity”) for investment
management accounts. However, Green Square will work with any Custodian our Clients use.

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

Clients may incur certain charges imposed by the Financial Institutions and other third
parties such as fees charged by Independent Managers, 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), 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. Additionally, for assets outside
of any wrap fee programs, clients may incur brokerage commissions and transaction
fees. Such charges, fees and commissions are exclusive of and in addition to Green Square’s
fee.

Fee Debit
Green Square’s Agreement and the separate agreement with any Financial Institutions may
authorize Green Square or the Independent Managers to debit the client’s account for the
amount of Green Square’s fee and to directly remit that management fee to Green Square or
the Independent Managers as appropriate. Any Financial Institutions recommended by
Green Square have agreed to send a statement to the client, at least quarterly, indicating all
amounts disbursed from the account including the amount of management fees paid directly
to Green Square. Alternatively, clients may elect to have Green Square send an invoice for
payment.

Fees for Management During Partial Periods of Service
For the initial period of investment management services, the fees are calculated on a pro
rata basis.

The Agreement between Green Square and the client will continue in effect until terminated
by either party pursuant to the terms of the Agreement. Green Square’s fees are prorated
through the date of termination and any remaining balance is charged or refunded to the
client, as appropriate.

Clients may make additions to and withdrawals from their account at any time, subject to
Green Square’s right to terminate an account. Additions may be in cash or securities
provided that Green Square reserves the right to liquidate any transferred securities or
decline to accept particular securities into a client’s account. Clients may withdraw account
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Item 7.      Types of Clients
Green Square provides its services to individuals, banks, thrift institutions, pension and
profit sharing plans, trusts, estates, charitable organizations, corporations, business
entities and registered investment companies.

Minimum Account Size
Green Square does not impose a mandatory minimum portfolio size.

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

Item 8.      Method of Analysis, Investment Strategies and Risk of
Loss
Methods of Analysis and Investment Strategies
Green Square utilizes statistical analysis and proprietary liability planning tools in order to
identify what it believes to be a client’s proper position on the risk/return continuum.
Discussions with the firm’s clients, families, and advisors provides Green Square with
information regarding the client’s current assets, liabilities, income sources, expenditures,
and current tax status, and allows Green Square to aid the client in defining their risk
tolerance and future income needs. Once this has been determined the firm invests its
clients’ capital in the appropriate asset allocation model based upon their individual needs
and circumstances. Capital is invested over multiple asset classes with different weightings
to achieve the appropriate projected risk and return. Each client’s model is reviewed for
rebalancing periodically in an effort to ensure that the firm’s clients are invested in
accordance with their objectives.

The model allocations are determined by service teams within Green Square with a breadth

of experience in the capital markets. The s e r v i c e t e a m s determine the asset classes
and weightings for each model and select the investment vehicles utilized in the
implementation based upon internal due diligence and third party research providers
and/or consultants.

While Green Square believes that this type of portfolio diversification affords clients an
added level of protection from overexposure to any one asset class, it also ensures that
portfolios are subjected to a variety of asset classes that may prove volatile during a given
period.

Risks of Loss
Mutual Funds and Exchange Traded Funds (ETFs)
An investment in a mutual fund or ETF involves risk, including the loss of principal. Mutual
fund and ETF shareholders are necessarily subject to the risks stemming from the
individual issuers of the fund’s underlying portfolio securities. Such shareholders are also
liable for taxes on any fund-level capital gains, as mutual funds and ETFs are required by
law to distribute capital gains in the event they sell securities for a profit that cannot be
offset by a corresponding loss.

Shares of mutual funds are generally distributed and redeemed on an ongoing basis by the
fund itself or a broker acting on its behalf. The trading price at which a share is transacted
is equal to a fund’s stated daily per share net asset value (“NAV”), plus any shareholders
fees (e.g., sales loads, purchase fees, redemption fees). The per share NAV of a mutual fund
is calculated at the end of each business day, although the actual NAV fluctuates with
intraday changes to the market value of the fund’s holdings. The trading prices of a mutual
fund’s shares may differ significantly from the NAV during periods of market volatility,
which may, among other factors, lead to the mutual fund’s shares trading at a premium or
discount to NAV.

Shares of ETFs are listed on securities exchanges and transacted at negotiated prices in the
secondary market. Generally, ETF shares trade at or near their most recent NAV, which is
generally calculated at least once daily for indexed-based ETFs and more frequently for
actively managed ETFs. However, certain inefficiencies may cause the shares to trade at a
premium or discount to their pro rata NAV. There is also no guarantee that an active
secondary market for such shares will develop or continue to exist. Generally, an ETF only
redeems shares when aggregated as creation units (usually 50,000 shares or more).
Therefore, if a liquid secondary market ceases to exist for shares of a particular ETF, a
shareholder may have no way to dispose of such shares.

Options
Options allow investors to buy or sell a security at a contracted “strike” price (not
necessarily the current market price) at or within a specific period of time. Clients may pay
or collect a premium for buying or selling an option. Investors transact in options to either
hedge (limit) losses in an attempt to reduce risk or to speculate on the performance of the
underlying securities. Options transactions contain a number of inherent risks, including
the partial or total loss of principal in the event that the value of the underlying security or
index does not increase/decrease to the level of the respective strike price. Holders of

options contracts are also subject to default by the option writer which may be unwilling or
unable to perform its contractual obligations.

Market Risks
The profitability of a significant portion of Green Square’s recommendations may depend
to a great extent upon correctly assessing the future course of price movements of stocks
and bonds. There can be no assurance that Green Square will be able to predict those price
movements accurately.

Use of Independent Managers
Green Square may recommend the use of Independent Managers for certain clients. Green
Square will continue to do ongoing due diligence of such managers, but such
recommendations relies, to a great extent, on the Independent Managers ability to
successfully implement their investment strategy. In addition, Green Square does not have
the ability to supervise the Independent Managers on a day-to-day basis other than as
previously described in response to Item 4, above.
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