Haverdink Financial Management LLC

ITEM 5: FEES AND COMPENSATION
A. FEE SCHEDULES

Haverdink Financial Management is only compensated for advisory services in the
following manner: A percentage of assets under management, hourly fees, and project-
based fees (which are dependent upon the nature and scope of the engagement and
advisory billings are based upon the number of project hours, using the Adviser’s hourly
rate as a guide). The Adviser does not accept commissions or any other fees in
connection with its investment advisory services.

1. Advisory fees for Investment Management Services are agreed upon at the time of
engagement and are based on a number of factors. Unless otherwise agreed in writing,
Investment Management fees are payable quarterly in arrears and based upon the
market value of the portfolio, as determined by the client’s custodian, on the last market
day of each of the preceding three calendar months.

Each billable month’s advisory fee is calculated separately, and the total is billed
quarterly. Therefore, the Adviser multiplies each month-end market value figure by 1/12
of the Adviser’s annual fee. The sums calculated for each of the three months are then
added together and invoiced at the end of each quarter.

The client’s custodian sets the portfolio’s market value. In the event the Adviser agrees
(in writing) to manage securities that do not have a readily available market value, the
Adviser and Client agree to seek at least two independent resources for valuation
services.

Where services are initiated at any time other than the beginning of a calendar quarter,
the advisory fee for that quarter will be pro-rated.

Fees for Investment Management Services are invoiced at an annual rate of .5% - 1.2%,
Fees are determined at engagement.

The Adviser’s fee may be based upon the nature of the engagement, scope and/or
complexity of services and/or portfolio, time to be incurred, pre-existing relationships, or
other special situations, and at the Adviser’s discretion. The Adviser’s fee may be higher
or lower than may otherwise be available through other types of investment
management firms for similar services.

During the engagement, Investment Management fees may be modified in certain
circumstances due to significant changes in the scope of the engagement, nature and/or
complexity of services. The Adviser reserves the right to modify the management fee
with 30 days’ written notice such as when the scope of the engagement or complexity of
services has changed. Should the client decide not to accept the fee adjustment, the
client is welcome to terminate services at any time.

In the event that Investment Management clients desire services outside the scope of
the Adviser’s engagement, Haverdink Financial Management is available to provide
additional services at the Adviser’s hourly consultation rate of $150. The hourly rate
would be agreed to at the time of the request for additional services and will be
dependent upon the nature and complexity of the services desired. Administrative-only
support services provided by the Adviser are invoiced at a rate of $75 hourly. Haverdink
Financial Management will not engage in services resulting in additional fees without the
expressed authorization of the client.

2. Fees for Financial Planning Services are determined at the time of engagement
based upon the time and effort required and/or the nature and complexity of services.

Haverdink Financial Management’s hourly fee is $150; however, the Adviser may
modify the fee based on unique individual situations or complexity of services. The
Adviser’s fee is billed to the next one-half hour. Administrative support services are
computed at the hourly rate of $75. In the alternative, the Adviser may propose a
project fee based on time, effort, scope and complexity of services. The Adviser will
use its hourly rate as the guide for project-based services.

Financial Planning Services are generally payable at the conclusion of services.
However, for new clients or larger projects, a retainer equal to one-half of the proposed
project fee may be required at the time of engagement with the balance due at the
conclusion of services.

Should the client’s condition change during the course of services such that new advice,
recommendations, re-evaluation or research are required, additional fees may apply.
The Adviser will not engage in additional services that result in fees without the client’s
approval. In such cases, the Adviser may also require an amended Client Agreement.

3. Fees for Consultation Services are determined at the time of engagement
based upon the time and effort required and/or the nature and complexity of services.

Haverdink Financial Management’s hourly fee is $150; however, the Adviser may
modify the fee based on unique individual situations or complexity of services. The
Adviser’s fee is billed to the next one-half hour. Administrative support services are
computed at the hourly rate of $75. In the alternative, the Adviser may propose a
project fee based on time, effort, scope, and complexity of services. The Adviser will
use its hourly rate as the guide for project-based services.

Financial Planning Services are generally payable at the conclusion of services.
However, for new clients or larger projects, a retainer equal to one-half of the
proposed project fee may be required at the time of engagement with the balance
due at the conclusion of services.

Should the client’s condition change during the course of services such that new
advice, recommendations, re-evaluation or research are required, additional fees
may apply. The Adviser will not engage in additional services that result in fees
without the client’s approval.

4. The Adviser’s General Education Seminars and Workshops may be
complimentary. From time to time, the Adviser may charge a fee for Educational
Workshops or Seminars, depending upon the nature of services, complexity of content,
...

ITEM 7: TYPES OF CLIENTS
                        AND MINIMUM CONDITIONS
The Adviser’s services are primarily available to individuals; pension and profit sharing
plans; trusts, estates and charitable organizations; corporations or other business
entities. At this writing, the Adviser’s primary clients are individuals and high net worth
individuals.

If an account is subject to the Employee Retirement Income Security Act of 1974, as
amended, (“ERISA”), the Adviser acknowledges that Adviser is a fiduciary within the
meaning of the Act and the ERISA Client is a named fiduciary with respect to the control
or management of the assets in the Account. In each instance, the Client will agree to
obtain and maintain a bond satisfying the requirements of Section 412 of ERISA and to
include the Adviser and the Adviser’s principals, agents, and employees under those
insured under that bond and will deliver to the Adviser a copy of the governing plan
documents. If the Account assets for which the Adviser provides services represent only
a portion of the assets of an employee benefit plan, Client will remain responsible for
determining an appropriate overall diversification policy for the assets of such plan.

The Adviser generally requires a minimum relationship size of $100,000. The minimum
relationship size may be negotiable, based upon individual circumstances, pre-existing
relationships, future earnings, or investment capacity, or at the discretion of the Adviser.

The Adviser reserves the right to decline to provide investment advisory services to any
person or firm in its sole discretion and for any reason.

          ITEM 8: METHOD OF ANALYSIS, INVESTMENT
                STRATEGIES AND RISK OF LOSS
A. METHODS OF ANALYSIS AND INVESTMENT STRATEGIES

The Adviser believes each client presents a unique set of goals, values, interests,
objectives, time horizons and challenges. Haverdink Financial Management provides
individualized attention to each type of investor who engages the Adviser for services.
The Adviser does not incorporate AI-powered algorithms, data analysis tools, or
automated systems nor does it utilize AI to communicate with clients.

Based upon information provided by the client, the Adviser attempts to evaluate an
investor’s risk tolerance, time horizon, goals and objectives through an interview and
data-gathering process in an effort to determine an investment plan or portfolio to best fit
the investor’s profile. Client participation and the client’s delivery of accurate and
complete information are critical to the Adviser’s process. In performing its services, the
Adviser shall not be required to verify any information received from the client or from
the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly
authorized to rely on such information.

The Adviser may recommend the services of itself, its Adviser Representatives in their
individual capacities as investment managers, and unaffiliated entities to implement its
recommendations (such as brokerage and custodial firms). Any professional referrals

(i.e., insurance agents/firms, accounting professionals, legal professionals, etc.) are
solely a courtesy and the Adviser receives no direct or indirect compensation as a result
of referrals. Clients are welcome but are never under any obligation to act upon any of
the recommendations made by the Adviser or to engage the services of any such
recommended service firm or professional including the Adviser itself.

The Adviser provides individualized Investment Management Services to its clients. The
Adviser can provide advisory services for portfolios ranging from conservative to
aggressive, each designed to meet the varying needs of and within the direction set forth
by the investors. The Adviser selects the portfolio best suited to their individual needs
after clients have defined their objectives, risk tolerance and time horizons and the
selection is approved by the client.

1. Fundamental Analysis involves the analysis of financial statements, the general
financial health of companies, and/or the analysis of management or competitive
advantages. Fundamental analysis is about using real data to evaluate a security's
value. Although most analysts use fundamental analysis to value stocks, this method of
valuation can be used for just about any type of security.

For example, an investor can perform fundamental analysis on a bond's value by looking
at economic factors, such as interest rates and the overall state of the economy, and
information about the bond issuer, such as potential changes in credit ratings For
assessing stocks, this method uses revenues, earnings, future growth, return on equity,
profit margins and other data to determine a company's underlying value and potential
for future growth. In terms of stocks, fundamental analysis focuses on the financial
statements of the company being evaluated.

Very broadly described, this type of analysis involves a method of evaluating a
security that entails attempting to measure its intrinsic value by examining related
economic, financial and other qualitative and quantitative factors. Fundamental analysts
attempt to study everything that can affect the security's value, including macroeconomic
factors (like the overall economy and industry conditions) and company-specific factors
(like financial condition and management).

The end goal of performing fundamental analysis is to produce a value that an
investor can utilize to help compare with the security's current price, with the aim of
figuring out what sort of position to take with that security (underpriced = buy, overpriced
= sell or short).

Fundamental analysis is performed on historical and present data, but with the goal of
making financial forecasts. There are several possible objectives:

   •   to conduct a company stock valuation and try to predict its probable price evolution,
   •   to make a projection on its business performance,
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