Harvest Investment Advisors LLC

Fees and Compensation

Harvest Investment Advisors is compensated for its services by the payment of an annual management fee. The fee is calculated
quarterly by applying 1/4th of the annual percentage rate to the market value of the client’s discretionary assets on the last day
of each quarter. The fee is billed and payable in arrears, based on the following fee schedule:

  Assets Invested in Equity Securities                    Assets Invested in Fixed Income Obligations
  Up to $1,000,000                1.00%                   All amounts       0.50%
  Amounts over $1,000,000         0.90%
  Amounts over $2,500,000         0.85%
  Amounts over $5,000,000         0.80%                   Assets Invested in Exchange Traded Funds
  Amounts over $10,000,000        negotiable              All amounts       0.35%

All accounts are subject to a $1,000 minimum annual fee. Notwithstanding the above, Harvest may negotiate advisory
contracts with fee arrangements differing from the rates listed above.

Management fees are deducted directly from client accounts on a quarterly basis, following the delivery of written invoices to
clients which show fee calculations. There are no other fees or expenses that are payable to Harvest Investment Advisors.

Clients incur additional expenses when security transactions generate commissions. These are paid directly to the independent
custodian (see Item 12. Brokerage Practices). Clients that hold ETFs in their portfolios also incur management expenses
generated by the fund itself. These expenses are netted against the fund returns rather than being explicitly billed and payable
by the client.

Upon termination of an investment advisory contract, Harvest pro rates its management fee to the date of termination.

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Types of Clients

      Harvest Investment Advisors provides investment management to the following types of clients:

             --individuals, including retirement accounts
             --pension and profit-sharing plans
             --trusts and charitable organizations

      Harvest will not manage assets except on a discretionary basis, although clients have the ability to limit that discretionary
      authority (see Item 16. Investment Discretion).

      A $1,000 minimum annual account fee is generally applicable to all accounts.

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