Insight Advisors LLC

Item 5: Fees & Compensation

How We Are Compensated For Our Advisory Services

   Comprehensive Portfolio Management:

   The maximum annual fee charged for this service will not exceed 1.50%. Our firm’s fees are billed
   on a pro-rata annualized basis monthly in advance based on the value of your account on the last
   day of the previous month. Our fees are generally negotiable. Unless otherwise agreed to in
   writing, advisory fees shall be applicable to cash and cash equivalents. Fees will generally be
   automatically deducted from your managed account*. As part of this process, you understand
   and acknowledge the following:

   a) You provide written authorization permitting us to be paid directly from the managed
      account held by the independent custodian;
   b) Our firm sends an electronic request to the custodian indicating the amount of the fee to be
      paid from the client’s managed account*;
   c) Your independent custodian sends statements at least quarterly to you showing the market
      values for each security included in the Assets and all disbursements in your account
      including the amount of the advisory fees paid to us.

   *In rare cases, we will agree to direct bill clients.

   It should be noted that we bill on the notional value of derivatives contracts and margin balances,
   which is significantly higher than their market value. This creates an incentive for us to
   recommend allocations in these products as a means for increasing our billable asset levels. To
   mitigate this conflict, we will review client exposure on a regular basis to ensure we adhere to
   our fiduciary duty.

   For the sub-advisory services rendered to our clients, our firm generally compensates third party
   investment advisory firms or individual advisors a percentage of the overall investment advisory
   fee charged by our firm. If such fees are assessed in addition to our fee schedule, the exact fee
   charged by both our firm, and the outside manager will be split up and indicated on Schedule A
   of the executed agreement or set forth in a separate agreement between the client and the
   designated third party. Sub-strategies facilitated by outside managers may include the use of
   borrowing which may incur a variable rate fee in addition to fees collected by Insight Advisors
   and third-party managers.

   Certain sub-advisory firms provide their services free of charge. This creates a conflict of interest
   whereby we otherwise might have to perform these tasks in-house or hire another firm that
   charges for these services. We have reviewed this conflict and determined this relationship to be
   in the best interest of our clients.

   Financial Planning & Consulting:

   We charge on an hourly, flat, or recurring basis for financial planning and consulting services.
   The total estimated fee, as well as the ultimate fee that we charge you, is based on the scope and
   complexity of our engagement with you. Our hourly fee is $250, flat fees range up to $5,000 and
   recurring fees are charged monthly in advance with a maximum of $575 per month. The exact
   billing arrangements will be described in the executed client agreement.

   We require a retainer of fifty-percent (50%) of the ultimate financial planning or consulting fee
   with the remainder of the fee directly billed to you and due to us within thirty (30) days of your
   financial plan being delivered or consultation rendered to you. In all cases, we will not require a
   retainer exceeding $1,200 when services cannot be rendered within 6 (six) months.

   Pension Consulting:

   We charge on an hourly, flat fee, and percentage of assets basis for pension consulting services.
   The total estimated fee, as well as the ultimate fee that we charge you, is based on the scope and
   complexity of our engagement with you. Our hourly fee is $250, the maximum AUM based fee
   shall be 1.0%, and our flat fees range from $1,000 to $5,000. Flat fees will be charged annually for
   ongoing pension consulting services.

   The fee-paying arrangements for pension consulting service will be determined on a case-by-case
   basis and will be detailed in the signed Pension Consulting Agreement. The client will be invoiced
   directly for the fees.

   Portfolio Monitoring:

   The maximum annual fee charged for this service shall be 25 basis points. Our firm’s fees are
   billed on a pro-rata annualized basis monthly in advance based on the value of your account on
   the last day of the previous month. Our fees are generally negotiable.

Other Types of Fees or Expenses Clients May Pay

Clients will incur transaction charges for trades executed in their accounts. These transaction fees
are separate from our fees and will be disclosed by the firm that the trades are executed through.

Charles Schwab & Co., Inc., our recommended custodian, does not charge transaction fees for U.S.
listed equities and exchange traded funds.

Clients may also pay holdings charges imposed by the chosen custodian for certain investments,
charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), distribution
fees, surrender charges, variable annuity fees, IRA and qualified retirement plan fees, mark-ups and
mark-downs, spreads paid to market makers, fees for trades executed away from custodian, wire
transfer fees and other fees and taxes on brokerage accounts and securities transactions. Our firm
does not receive a portion of these fees.

Refunds Following Termination

We charge our advisory fees monthly in advance. In the event that you wish to terminate our services,
we will refund the unearned portion of our advisory fee to you. You need to contact us in writing and
state that you wish to terminate our services. Upon receipt of your letter of termination, we will
...

Item 7: Types of Clients & Account Requirements

We have the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Pension and Profit Sharing Plans;
   • Corporations, Limited Liability Companies and/or Other Business Types.

We do not have requirements for opening and maintaining accounts or otherwise engaging us.