Hunter Street Investment Advisors LLC

Fees and Compensation
Hunter Street charges fees based on a percentage of assets under management. Fees are billed
quarterly, in arrears, and are based on the account balance of the assets at the end of the calendar
quarter. Beginning and ending fees will be calculated on a pro-rated basis for timing. The North
American Securities Administrators Association (“NASAA”) has determined that the industry standard
for asset management fees is 2% per annum, well above Hunter Street’s maximum management fee of
1.4%.

Advisory Program
For our Advisory Program, we charge an annual management fee based on the following matrix.

          Assets Under Management                    MAXIMUM Management Fee
               $0 to $250,000                                      1.40%
           $250,0001 to $500,000                                   1.30%
           $500,001 to $1,000,000                                  1.20%
           $1,000,001 to $2,500,000                                          1.10%
        $2,500,001 to $5,000,000                                             1.00%
           $5,000,001 and Over                                               .90%
          SIMPLE Employer IRA                                                1.00%
      401K Plans $0 to $10,000,000                        .65%     (plans that are held with the Firm)
   Endowment Funds $0 to $10,000,000                      .65%     (plans that are held with the Firm)

Below is an example of how we would bill a 1.20% portfolio management fee:

$100,000 average daily account balance is calculated as (100,000 x .012) = 1,200 (annualized)
1,200 / 4 quarters = $300.00 fee payment for that quarter. Payment of portfolio management services
fees will be made by the custodian holding the clients’ funds and securities provided that the following
requirements are met:

    •   The client provides written authorization permitting the fees to be paid directly from the client’s
        account held by the custodian. Hunter Street does not have access to client funds for payment
        of fees without client consent in writing.
    •   It is disclosed to the client that it is the client’s responsibility to verify the accuracy of the fee
        calculation and that the custodian will not determine whether the fee is properly calculated.
    •   The custodian agrees to send the client a statement, at least quarterly, indicating all amounts
        dispersed from the account including the amount of the advisory fee paid to Hunter Street.

Hunter Street Investment Advisors LLC
Form ADV Part 2A

Our annual fee is exclusive of other related costs and expenses which will be incurred by the client.
Please see Item 12 – Brokerage Practices for further information on brokerage and transaction costs.

Fees for Financial Planning Services
Client may choose to elect financial planning as one of their services with Advisor. The annual fee for
the Financial Planning Program is $1,800. Client will automatically receive financial planning services at
no additional billing when a household asset minimum of $125,000 is met. Financial planning services
will encompass the following: Data Management and Entry, Long-term Goal Planning, Decision Making
Stress Test Reporting, Retirement Income Cash Flow Analysis, Probability of Successes, Customized
Scenario Analysis, and Tax Optimization.

Hourly fees may be determined when additional work is rendered on a standard plan absent the
selection of a new module.

Hourly Fees: Data Collection, Analysis, Plan Preparation    =    $150 per hour

Additional Fees and Expenses
All fees paid to Hunter Street for investment advisory services are separate and distinct from the fees
and expenses charged by mutual funds or exchange traded funds to their shareholders. These fees and
expenses are described in each fund's prospectus and generally include a management fee, other fund
expenses, and a possible distribution fee. If the fund also imposes sales charges, a client may pay an
initial or deferred sales charge. Clients should review both the fees charged by the funds and the fees
charged by Hunter Street to fully understand the total amount of fees to be paid.

Some mutual funds pay 12b-1 distribution fees to intermediaries. Hunter Street does not receive any
portion of 12b-1 fees from any fund held in client accounts.

                 Performance-Based Fees and Side-By-Side Management - Item 6

Performance-based fees are calculated based on a share of capital gains or capital appreciation of the
client’s assets under management. We do Not charge performance-based fees.

Types of Clients - Item 7

Hunter Street offers investment advisory services to individuals, pension and profit-sharing plans and
participants, trusts, estates, charitable organizations, corporations, and other business entities.

Hunter Street Investment Advisors LLC
Form ADV Part 2A

               Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

The following are different methods of analysis that we may use when providing you with investment
advice:

    •   Charting – charting is a technique that attempts to forecast future market moves by studying
        historical data on charts.

    •   Fundamental Analysis – fundamental analysis is a technique that attempts to determine a
        security’s value by focusing on underlying factors that affect a company's actual business and its
        future prospects. The term refers to the analysis of the economic well-being of a financial entity
        as opposed to only its price movements.

    •   Technical Analysis – technical analysis is a technique that relies on the assumption that current
        market data (such as charts of price, volume, and open interest) can help predict future market
        trends, at least in the short term. It assumes that market psychology influences trading and can
        predict when stocks will rise or fall.

    •   Cyclical Analysis – cyclical analysis is a technique that looks at cycles, specifically analyzing the
        way prices follow certain patterns and trends.

We may use the following investment strategies when advising you on investments:

    •   Long Term Purchases – securities held for over a year.
    •   Short Term Purchases – securities held for less than a year.
    •   Trading – securities held for less than 30 days.
    •   Option Trading – An option is a contract that gives the buyer the right, but not the obligation, to
        buy or sell an underlying asset at a specific price on or before a certain date. An option, just like
        a stock or bond, is a security. It is also a binding contract with defined terms and properties.
    •   Covered Options – covered option is a strategy in which an investor writes an option contract
        while at the same time owning an equivalent number of bonds or shares of the underlying stock.
    •   Uncovered Options - Uncovered options are options that are not backed by another position.
        Sometimes referred to as a naked option, is the obligation to purchase the underlying
        investment for a specified strike price in the future.
    •   Margin Transactions – margin strategies allow an investor to purchase securities on credit and
        to borrow on securities already in their custodial account. Interest is charged on any borrowed
        funds for the period of time that the loan is outstanding.

Hunter Street Investment Advisors LLC
Form ADV Part 2A

The investment advice provided along with the strategies suggested by Hunter Street will vary
depending on each client’s specific financial situation and goals. This brief statement does not disclose
all of the risks and other significant aspects of investing in financial markets. In light of the risks, you
should fully understand the nature of the contractual relationship(s) into which you are entering and the
extent of your exposure to risk.

Certain investing strategies may not be suitable for many members of the public. You should carefully
consider whether the strategies employed will be appropriate for you in light of your experience,
objectives, financial resources and other relevant circumstances.

Discretionary Authority: Hunter Street offers Portfolio Management Services to its advisory clients on
both a discretionary and non-discretionary basis. Hunter Street will manage client accounts on a
discretionary basis if the client has granted discretionary authority in the client advisory agreement.
Discretionary authority extends to the type and number of securities to be bought and sold and does
not require advance client approval for each transaction. Discretionary authority is exercised in a
manner consistent with each client's stated investment objectives, risk tolerance, and any written
restrictions or guidelines provided by the client, and in accordance with Hunter Street's fiduciary duty to
act in each client's best interest.

Associated Investment Risks

General Investment Risk: All investments come with the risk of losing money. Investing involves
substantial risks, including complete possible loss of principal plus other losses and may not be suitable
for many members of the public. Investments, unlike savings and checking accounts at a bank, are not
insured by the government to protect against market losses. Different market instruments carry
different types and degrees of risk, and you should familiarize yourself with the risks involved in the
particular market instruments you intend to invest in.

Loss of Value: There can be no assurance that a specific investment will achieve its investment
objectives and past performance should not be seen as a guide to future returns. The value of
investments and the income derived may fall as well as rise and investors may not recoup the original
amount invested. Investments may also be affected by any changes in exchange control regulation, tax
laws, withholding taxes, international, political and economic developments, and government, economic
or monetary policies.

Interest Rate Risk: Fixed income securities and funds that invest in bonds and other fixed income
securities may fall in value if interest rates change. Generally, the prices of debt securities rise when
interest rates fall, and their prices fall when interest rates rise. Longer term debt securities are usually
more sensitive to interest rate changes.

Hunter Street Investment Advisors LLC
Form ADV Part 2A

Credit Risk: Investments in bonds and other fixed income securities are subject to the risk that the
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