Human Interest Advisors LLC

Item 5: Fees and Compensation
Advisory Services Fees

         Plans

Plans are assessed an advisory services fee for investment advisory services provided to
the Plan and for making discretionary investment management services available to
Participants. Plan Participants ultimately pay these fees indirectly as they are deducted
from Participants’ Plan account balances, unless the Plan sponsor has agreed to assume
such fees. Advisory services fees are negotiated and charged at the Plan-level and are
calculated based on a percentage of the total amount of Participants’ Plan account
balances. Advisory fees are charged monthly in arrears based upon the previous period.

         Participants

The Adviser’s fee is automatically deducted from the Plan’s assets, and the applicable
portion of this fee is reflected in the balance of the Participant’s account, unless the Plan
sponsor has agreed to assume these fees. The Adviser’s asset-based fee is typically 0.12%
annually (or 0.01% monthly) when acting in a 3(38) capacity and 0.22% (or 0.018%
monthly) when acting in a 3(21) capacity. The Adviser has negotiated different rates with
certain Plans, which could result in lower or higher fees, and anticipates continuing to do
so in the future. Plan sponsors should review their order form for details concerning the

fees applicable to their Plans, and Participants may view the asset-based fees reflected in
the balance of their accounts by accessing their statements upon logging onto the
Recordkeeper’s platform.
Terminated accounts are charged an investment advisory fee at the Plan-level and such
fees are allocated to the Participant until the Participant account balance is zero or the
assets are no longer held by the custodian.

Other Fees or Expenses

         Plans

Plans incur other types of fees and expenses in connection with the advisory services
offered by the Adviser, including fees due to Recordkeeper (an affiliate of Adviser), as
further described below.

Plans pay asset-based and non-asset based fees, which may include administration fees,
setup fees, user support fees and fees for special features, to the Recordkeeper for
providing Plans with recordkeeping and administrative services, software-as-a-service
applications, and other services such as third-party custodial services. If agreed to in
writing between Recordkeeper and the Plan sponsor, one or more of these fees may be
charged to the Plan’s assets, and the applicable portion of such fees will be reflected in
the balance of each Participant’s account. These fees are charged on a monthly or annual
basis, and the amount of these fees may vary depending on the level of services.

For recordkeeping services, Plans are charged an asset-based fee by the Recordkeeper.
The Recordkeeper’s asset-based fee is automatically deducted from the Plan’s assets, and
the applicable portion of this fee is reflected in the balance of each Participant’s account,
unless the Plan sponsor has agreed to assume this fee. The Recordkeeper’s asset-based
fee typically ranges from 0.60% to 0.84% annually (or 0.05% - 0.07% monthly).

Plan sponsors should review their order form for details concerning the fees applicable to
their Plans, and Participants may view any applied fees reflected in the balance of their
accounts by accessing their statements upon logging onto the platform.

Plans can also hire a third-party advisor to provide advisory services to a Plan, where the
Plan and the third-party advisor directly negotiate fees. A Plan can request that the
Recordkeeper effectuate these payments, and the Adviser would assist in managing the
liquidation of securities held in Participant accounts; those proceeds would be used to pay
the fee.

         Participants

Plans’ investment menus include underlying Investment Options, such as mutual funds
and collective investment trusts. All Investment Options incur costs in connection to their
operation and management, which are disclosed in each Investment Option’s offering
documents. A fee disclosure is also provided by the Recordkeeper to the Plan and
Participants. These fees are therefore borne by each Participant in proportion to their
individual holdings.

As discussed above, Participants bear a portion of the Adviser’s and Recordkeeper’s
asset-based fees, which are allocated to their accounts pro rata.
In addition, certain funds that are included in some Plans’ investment menus have
additional fees, specifically 12b-1 fees, which are disclosed to the Plan and Participants in
the fee disclosures provided by the Recordkeeper annually. If a Plan includes share classes
of funds that charge 12b-1 fees, those funds have been specifically selected by the Plan
sponsor or the Plan’s third party adviser; Adviser does not recommend such share classes.
Please see Item 12 of this brochure for more information on brokerage practices.
The fees payable to Adviser and Recordkeeper described herein are generally subject to
modification or reduction by the Adviser or Recordkeeper, as applicable, and as
negotiated with respect to any Plan sponsor.

Outside Compensation for the Sale of Securities to Clients

In some cases, a Plan’s investment menu, but not the Model Portfolios, include Investment
Options chosen by the Plan sponsor that are mutual fund share classes that are charged
12b-1 fees, which are additional fees paid by the fund to an intermediary like the
Recordkeeper for selling or servicing the mutual fund’s shares and shareholders,
respectively. In most of these cases, there are lower-cost share classes of the same or
similar mutual fund that are not charged such 12b-1 fees. The practice of including in
investment menus mutual fund share classes that are charged 12b-1 fees creates a
conflict of interest between the Participant and Adviser because the compensation that the
Recordkeeper receives provides the Adviser an incentive to recommend the share class
...

Item 7: Types of Clients
Adviser provides advisory services to defined contribution plans, including 401(k) and
403(b) plans, and Plan Participants.

Recordkeeper does not require a minimum dollar amount for a Plan to join the platform.
However, the platform is provided by the Recordkeeper, and all of the Adviser’s advisory
clients have an agreement with the Recordkeeper and must be set up on the
Recordkeeper’s platform prior to commencing advisory services.