Highmark Wealth Management LLC

Item 5           Fees and Compensation

     A. The client can determine to engage the Registrant to provide discretionary or non-
        discretionary investment advisory services on a wrap-fee basis.

         INVESTMENT ADVISORY SERVICES
         Registrant’s negotiable annual investment advisory fee shall generally be based upon a
         percentage (%) of the market value and type of assets placed under Registrant’s
         management and/or advisement, between 0.50% and 1.50% as follows:

        Assets                                       Annual % Fee
        $0.00 - $249,999.99                             1.50%
        $250,000 - $499,999.99                          1.25%
        $500,000 - $999,999.99                          1.00%
        $1,000,000 - $2,499,999.99                      0.85%
        $2,500,000 - $4,999,999.99                      0.75%
        $5,000,000 - $9,999,999.99                      0.65%
        $10,000,000 - $99,999,999.99                    0.50%

Please Note: Fee Dispersion: Registrant, in its sole discretion, may charge a lesser
investment advisory fee, charge a flat fee, waive its fee entirely, or charge a fee on a
different interval, 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, complexity of the engagement, anticipated services to be
rendered, grandfathered fee schedules, employees and family members, courtesy accounts,
competition, negotiations with client, etc.). Please Note: As result of the above, similarly
situated clients could pay different fees. In addition, similar advisory services may be
available from other investment advisers for similar or lower fees. ANY QUESTIONS:
Registrant’s Chief Compliance Officer, Todd Arens, remains available to address any
questions that a client or prospective client may have regarding advisory fees.

Margin Accounts: Risks/Conflict of Interest. Registrant does not recommend the use of
margin for investment purposes. A margin account is a brokerage account that allows
investors to borrow money to buy securities and/or for other non-investment borrowing
purposes. The broker/custodian charges the investor interest for the right to borrow money
and uses the securities as collateral. By using borrowed funds, the customer is employing
leverage that will magnify both account gains and losses. Should a client determine to use
margin, Registrant will include the entire market value of the margined assets when
computing its advisory fee. Accordingly, Registrant’s fee shall be based upon a higher
margined account value, resulting in Registrant earning a correspondingly higher advisory
fee. As a result, the potential of conflict of interest arises since Registrant may have an
economic disincentive to recommend that the client terminate the use of margin. Please
Note: The use of margin can cause significant adverse financial consequences in the event
of a market correction. ANY QUESTIONS: Our Chief Compliance Officer, Todd
Arens, remains available to address any questions that a client or prospective client
may have regarding the use of margin.

Please Note: Wrap Program Conflict. Participation in the Program may cost more or less
than purchasing such services separately. The fee that we charge for participation in the
Program may be higher or lower than those charged by other sponsors of comparable
wrapfee programs. Conflict of Interest. When managing a client’s account on a wrap fee
basis, we shall receive as payment for our investment advisory services, the balance of the
wrap fee after all wrap-fee costs (including account transaction fees) have been deducted.
Accordingly, we have a conflict of interest because we could have an economic incentive
to maximize our compensation by seeking to minimize the number of transactions/total
costs in the client's account. Our Chief Compliance Officer, Todd Arens, remains
available to address any questions that a client or prospective client may have
regarding the corresponding conflict of interest a wrap fee arrangement may create.

FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)

    To the extent requested by a client, the Registrant may determine to provide financial
    planning and/or consulting services (including investment and non-investment related
    matters, including estate planning, insurance planning, etc.) on a negotiable stand-alone fee
    basis, generally ranging from $150 to $500 per hour on an hourly rate basis or on a pre-
    determined fixed fee basis. Prior to engaging the Registrant to provide planning or
    consulting services, clients are generally required to enter into a Financial Planning and
    Consulting Agreement with Registrant setting forth the terms and conditions of the
    engagement (including termination), describing the scope of the services to be provided,
    and the portion of the fee that is due from the client prior to Registrant commencing
    services.

    RETIREMENT PLAN CONSULTING
    The terms and conditions of the Registrant’s retirement plan consulting services, including
    the applicable fee, shall be set forth in a Retirement Plan Services Agreement between the
    Registrant and the plan sponsor. Retirement plans can engage Registrant to provide
    Retirement Plan Consulting services for a fixed fee or a fee based on a percentage of plan
    assets, which fees will vary depending upon the level and scope of the service(s) required
    and the professional(s) rendering the service, and will generally range from 0.10% to 0.75%
    of plan assets.

B. Both Registrant's Investment Advisory Agreement and the custodial clearing agreement
   may authorize the custodian to debit the account for the amount of the Registrant's
   investment advisory fee and to directly remit that management fee to the Registrant in
...

Item 7           Types of Clients

         The Registrant’s clients shall generally include individuals, high net worth individuals, and
         retirement plans. Registrant does not currently impose a minimum account size or
         minimum annual fee for its services. Please Note: Similar advisory services may be
         available from other investment advisers for similar or lower fees.