Harvest Investment Consultants LLC

5. Fees and Compensation

   a. Investment management fees are paid quarterly in advance based on the market value of
      securities placed under supervision at the inception of the agreement and thereafter at the end
      of each calendar quarter. Fees are negotiable and Advisor can waive the account minimum. Such
      exceptions can be based on factors such as client relationships, complexity of account assets, and
      total amount of assets. Advisory fees range from .50% to 1.20%.
               Account Size                              Fee
               Up to $250,000                            1.20%
               From $250,001 to $2,000,000               1.00%
               From $2,000,001 to $3,000,000             .80%
               From $3,000,001 to $5,000,000             .60%
               From $5,000,001 to $10,000,000            .50%
               Over $10,000,000                          Negotiated

        While some of our basic planning services are provided at no additional cost, areas of complex
        planning or comprehensive planning which require significant time are provided on either a flat
        fee basis or an hourly rate. Planning fees range from $1,000 to $2,500. Hourly rates range from
        $250/hour to $400/hour. Planning fees are provided and agreed upon before work commences.

b. Investment management fees are deducted from client accounts or billed to the client by invoice
   on a quarterly basis. The client may select either method. Harvest reserves the right to deduct
   the invoiced advisory fee from the account(s) under management for any clients on direct billing
   who have an outstanding balance due at the end of the calendar quarter.

     Financial planning fees are paid directly by check. Half of the fee is due at the inception of the
     financial planning project; the remaining balance is due upon satisfactory completion of the
     project.

c. Advisor maintains an independent and unbiased focus by not receiving commissions, transaction
   related income, or soft dollars other than those falling under Section 28(e) of the Securities and
   Exchange Act of 1934 (“research and brokerage services” from Fidelity and Charles Schwab). The
   client may, in connection with our Advisory services, incur other costs such as custodial
   transaction costs and mutual fund/ETF internal expenses. (See Section 12 - Brokerage Practices).

     When beneficial to the client, individual fixed-income and/or equity transactions may be placed
     through broker-dealers with whom Advisor and/or the client have entered into arrangements for
     prime brokerage clearing services, including effecting certain client transactions through other
     SEC registered and FINRA member broker-dealers. The client generally will incur the transaction
     fee charged (“trade-away”) by their broker-dealer/custodian. These fees range from $10 to $15
     per transaction regardless of the size of the investment positions put into the client’s account.

d. Client fees are billed in advance. Clients may terminate the services of Advisor at any time with
   written notice. A client will receive a pro-rata refund for the unused portion of the management
   fee if the Advisory contract is terminated before the end of the billing period.

e. Advisor receives no compensation for the sale of securities or other investment products,
   including asset-based sales charges or service charges from the sale of funds. Advisor does not
   reduce fees to offset qualified custodian commissions. Advisor has no material conflict of interest
   other than Section 4.D. (Qualified Plan Rollover to IRA). Clients have the option to purchase
   investment products the Advisor recommended through other brokers or agents not affiliated
   with the Advisor.

f.   MUTUAL FUND SHARE CLASS SELECTION
     Harvest Investment Consultants and its investment adviser representatives are not affiliated or
     registered with a broker-dealer firm. A matter of firm policy and because we are not registered
     with or affiliated with a broker-dealer, we do not accept and will not accept any broker-dealer
     transaction-based compensation (e.g., commissions, trails, revenue sharing, 12b-1 fees) due to
     or resulting from the sale or purchase of shares in mutual funds or 529 Plans by Harvest
     Investment Consultants’ clients for accounts subject to Harvest Investment Consultants’
     investment advisory services.

     Although we do not accept broker-dealer transaction-based compensation, it is our policy to
     proactively analyze and assess the expenses, costs, and fees our clients will incur in connection
     with our formulation of investment recommendations and the management of client
     accounts. Consideration will be given to circumstances such as the size of the transaction
     relative to any custodian-imposed ticket charge (transaction fee), intended holding period,

need for periodic rebalancing, availability at both custodians, and any additional purchases
that may be made over time.

     I.    Recommend Lowest Cost Share Class Available. Each share class of a mutual
           fund represents an interest in the same portfolio of securities. Therefore, when
           there is a lower-cost share class available that does not, for example, charge a 12b-1
           fee (or charges a lower 12b-1 fee) or has a lower overall expense ratio, it is usually in
           the client’s best interest to invest in the lower-cost share class rather than the 12b-1
           fee paying share class or share class with a higher overall expense ratio because the
           client’s returns would not be reduced by the 12b-1 fees and higher expenses.
           Harvest Investment Consultants, through its investment advisor representatives,
           shall recommend the client purchase the lowest cost share class that is reasonably
...

7. Types of Clients

    a. Harvest provides asset management to individuals and families. In addition, Harvest serves
       organizations such as for-profit corporations and businesses as well as non-profit and charitable
       organizations. Professional investment management solutions and consulting for defined benefit
       plans, 401(k) plans, endowments, and trusts are also provided. Our minimum account/portfolio
       size for investment management $250,000. The Advisor can waive the account minimum.