Investor's Advantage LLC

ITEM 5 - FEES AND COMPENSATION
   Investment Management Services Fee
   Fees are based upon a percentage of assets under management and vary
   depending upon the nature of the portfolio to be managed (i.e., mutual funds
   portfolios versus fixed income portfolios). Fees are calculated and billed or
   deducted quarterly for advisory accounts at the beginning of each calendar
   quarter for services rendered during such quarter. Fees may be negotiable in
   some instances. The fees charged to any given client by Investor's Advantage
   may be higher than fees charged to other clients, either by Investor's
   Advantage, or by other investment advisors, for advisory services to accounts
   of comparable size and investment objectives. Some relatives and friends of
   employees may not be charged management fees.

   Standard advisory fees for new clients are based upon the following annual fee
   schedule:

   Fixed Income Accounts

   Assets             Under Total Annual Fee (%)
   Management

   Any Size Account          0.50%

   Equity and Blended Accounts

   Assets             Under Total Annual Fee (%)
   Management

   $0 - $3,000,000           0.75%

   $3,000,000+               0.50%

   No increase in the annual fee shall be effective without prior written
   notification. Investor’s Advantage believes the advisory fee is reasonable
   considering the fees charged by other investment advisers offering similar
   services/programs. Some fixed Income accounts may also have a small equity
   position of up to 20% or more.

                                                        Part 2A of Form ADV: Firm Brochure
                                                        Investor’s Advantage, L.L.C.
                                                        March 2026

   The client may elect to be billed directly for fees. If the client elects to have fees
   debited, he will be notified of the fee and the manner of computation at the
   time of the account charge.

   Automatic Payment of Fee

   The Client agrees to authorize the Custodian to pay directly to Investor’s
   Advantage upon receipt of notice, the Account's investment advisory services
   fee. Fee withdrawals will occur no more frequently than quarterly from the
   Client's Account, unless specifically instructed otherwise by the Client.

   The Custodian will send to the Client a statement, at least quarterly, indicating
   all amounts disbursed from the Account, including the fee paid directly to
   Investor’s Advantage.

   Mutual Fund Fees

   In addition to Investor's Advantage fees, for clients holding mutual funds, each
   mutual fund, REIT, UIT, or closed end fund charges a management fee. Some
   funds may charge 12(b)-1 fees in excess of 0.25%. All internal fees included in a
   fund’s NAV calculation are disclosed in its prospectus, which is provided to
   each client by the account custodian. Brokerage firms may also charge
   transaction fees for the purchase or redemption of shares, which would not be
   incurred if a client were to trade directly with a mutual fund manager.

   Investor's Advantage normally only buys no-load or load-waived funds for its
   client accounts. The load-waived funds are normally only available to
   individuals through advisors.

   Termination

   The Investment Advisory Agreement will remain in force until terminated by
   either party. Either the client or the Advisor may terminate this agreement at
   any time by giving a --written thirty (30) days notice to the other party. Prepaid
   unearned fees will be refunded to clients based on the remaining days in the
   quarter after the 30-day notice period.

ITEM 7 - TYPES OF CLIENTS

   Investor’s Advantage provides investment advisory services to:
      •   Individuals
      •   Insurance companies
      •   High net worth individuals
      •   Pension and profit sharing plans
      •   Trusts, estates or charitable organizations
      •   Corporations and other businesses

   Normally a minimum of $250,000 is required to establish an account. Under
   certain circumstances lesser amounts are accepted at the discretion of the firm.