Liberty One Wealth Advisors

Item 5:       Fees and Compensation

      A. Fees Charged

      All individuals will be required to execute an agreement with LOWA outlining the services to be
      performed, as well as the fees for those services. Fees are negotiable. Clients are under no obligation
      at any time to engage or to continue to engage LOWA for investment services. If clients do not receive
      a copy of this brochure at least 48 hours prior to the execution of an Agreement, clients may terminate
      the agreement within the first five (5) business days without penalty.

      LOWA’s standard advisory fee is based on the market value of the assets under management. Wrap
      accounts are subject to the same fee schedule as non-wrap accounts as described in the LOWA Wrap
      Brochure. LOWA’s tiered fee schedule is as follows:

                   Account Value                                     Annual Advisory Fee

                  First $0 - $500,000                                         1.5%

             Next $500,001 - $1,000,000                                       1.1%

            Next $1,000,001 - $2,000,000                                       1%

            Next $2,000,001 - $5,000,000                                      .80%

            Next $5,000,001 - $15,000,000                                     .70%

            Next $15,000,001 and Above                                     Customized

The fee is payable monthly in advance and is based on the average daily balance of the prior month.
The advisory fee is a tiered fee and is calculated by assessing the percentage rates using the predefined
levels of assets as shown in the above chart and applying the fee to the average daily balance of the
prior month. No increase in the annual fee shall be effective without agreement from the Client by
signing a new agreement or amendment to their current advisory agreement.

The first fee payment is due upon execution of the Investment Advisory Agreement and will be
assessed pro-rata in the event the agreement is executed at any time other than the first business day
of a calendar quarter. The pro-rata calculation will begin on the first day of the calendar month that
follows the execution of the Investment Advisory Agreement (for example, if the Investment Advisory
Agreement is executed in January, pro-rata billing will begin February 1st). Lower fees may be
negotiated at LOWA’s sole discretion. We do not charge our clients higher advisory fees based on
their trading activity, but you should be aware that we may have an incentive to limit our trading
activities in your account(s) because we are charged for executed trades.

Advisory fees are directly debited from client accounts. Clients may obtain a refund of a pre-paid fee
if the advisory contract is terminated before the end of the billing period, based on the amount of time
remaining in the billing period.

Ongoing Comprehensive Financial Planning

Ongoing Comprehensive Financial Planning services are included in the monthly fee for clients with
portfolio values $500,000 and above. For portfolio values below $500,000, Client shall enter into a
separate financial planning arrangement which lays out the fees for this service.

Additional Fees

Clients referred to an Investment Manager will pay fees to that Investment Manager. There may or
may not be additional fees or expenses to third parties or Investment Managers, depending on the
Investment Manager and the agreement between that Investment Manager and their client. Clients
should thoroughly and carefully review all materials from any Investment Manager prior to executing
or otherwise entering into any agreement with an Investment Manager. Clients may incur other
expenses with the implementation of advice provided such a commissions, custodian fees, or ETF
expenses. None of these fees are payable to LOWA. Please refer below to Item 12, Brokerage
Practices, for further information.

      The combination of fees for LOWA and third-party managers will not exceed the industry standard of
      excessive fees, which is 3%.

      B. Fee Payment

      As stated above, fees will be based on the assets under management. The fee is paid monthly in
      advance and comes due on the first day of the calendar month of the stated billing cycle based on an
      account’s average daily balance of the prior month. In calculating the market value of a client’s assets,
      assets allocated to cash or a cash proxy, such as a money market account, will be included in the
      calculation of assets under management. Once the calculation is made, fees will be debited from the
      account.

      C. Other Fees

      There are no additional fees payable to LOWA. Clients referred to an Investment Manager will pay
      fees to that Investment Manager. There may or may not be additional fees or expenses to third parties
      or Investment Managers, depending on the Investment Manager and the agreement between that
      Investment Manager and their client. Clients should thoroughly and carefully review all materials
      from any Investment Manager prior to executing or otherwise entering into any agreement with an
      Investment Manager. Clients may incur other expenses with the implementation of advice provided
      such as commissions, custodian fees, or mutual fund expenses. None of these fees is payable to
      LOWA.

      D. Pro-rata Fees

      Accounts initiated or terminated during the month will be charged a prorated fee based on the amount
      of time remaining in the billing period. An account can be terminated by either party if canceled in
      writing.

      E. Compensation for the Sale of Securities

      This item is not applicable.

Item 7:       Types of Clients

      We provide financial planning and portfolio management services to individuals, high net-worth
      individuals, charitable organizations, retirement accounts and some institutions. There is no minimum
      to become a client of LOWA.