LT Advisors LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
 LTA offers discretionary direct asset management services to advisory Clients for an
 annual investment advisory fee of no more than 1.5%.
 The annual fee may be negotiable. Accounts within the same household may be combined
 for a reduced fee. Fees are billed quarterly in arrears based on an average daily balance of
 the account for the previous quarter. New investments made during the quarter will be
 assessed and billed for the remainder of the quarter.
 For example:
                                   Mid quarter calculation
   The calculation for an account opened mid quarter is based on the formula:
   AV x (F/P)/# of days in quarter) x # of days remaining in quarter
   •       AV = Account value
   •       F = annual management fee
   •       P = number of billing periods per year
                                   Mid quarter investment
   Based on assets being held in account for less than full quarter.
   Step 1: Investment of $1,000,000 on August 10.
   Step 2:       $1,000,000 x .00375 (1/4 of annual fee) = $3,750
   Step 3:       $3,750/91 (days in the quarter) = $41.21

Step 4:   $41.21 x 51 (days remaining in the quarter) = $2,101.71

                                   Full quarter calculation
   The calculation for the average daily balance is based on the formula:
   (A/D) x (F/P)
   •    A = the sum of the daily balances in the billing period
   •    D = number of days in the billing period
   •    F = annual management fee
   •    P = number of billing periods per year
                                   Full quarter investment
   Based on assets being held in account for the full quarter.
   Step 1: $1 million for 85 days plus account value of $500,000 for six days.

   Step 2:    $1 million x 85 = $85 million
              $500,000 x 6 = $3 million
              $88 million (A) /91 (D) = $967,033
   Step 3:    .015 (F) / 4 (P) = .00375
   Step 4:    $967,033 x .00375 = $3,626.37
 FINANCIAL PLANNING AND CONSULTING
 LTA charges either an hourly fee or fixed fee based on complexity and unique Client needs
 for financial planning. Prior to the planning process the Client will be provided an
 estimated plan fee.
       HOURLY FEES
       Financial Planning Services are offered based on an hourly fee of $450 per hour.
       FIXED FEES
       Financial Planning Services are offered based on a flat fee between $2,000 and
       $10,000.
 Fees for financial plans are billed 50% in advance with the balance due upon plan delivery.
 Services are completed and delivered inside of 30 days contingent upon timely delivery of
 all required documentation. Client may cancel within five (5) business days of signing
 Agreement with no obligation and without penalty. If the Client cancels after five (5)
 business days, any unearned fees will be refunded to the Client, or any unpaid earned fees
 will be due to LTA. LTA reserves the right to waive the fee should the Client implement the
 plan through LTA.
Client Payment of Fees
 Fees for asset management services are deducted from a designated Client account to
 facilitate billing or they may pay LTA directly. The Client must consent in advance to direct
 debiting of their investment account.
 Fees for financial plans will be billed to the Client and paid directly to LTA.
Additional Client Fees Charged
 Custodians may charge transaction fees other related costs on the purchases or sales of
 mutual funds, equities, bonds, options and exchange-traded funds. Mutual funds, money
 market funds and exchange-traded funds also charge internal management fees, which are
 disclosed in the fund’s prospectus. LTA does not receive any compensation from these fees.

 All of these fees are in addition to the management fee you pay to LTA. For more details on
 the brokerage practices, see Item 12 of this brochure.
Prepayment of Client Fees
 LTA does not require any prepayment of fees of more than $1,200 per Client and six
 months or more in advance.
 Fees for financial plans are billed 50% in advance with the balance due upon plan delivery
 If the Client cancels after five (5) business days, any unearned fees will be refunded to the
 Client, or any unpaid earned fees will be due to LTA.
External Compensation for the Sale of Securities to Clients
 LTA does not receive any external compensation for the sale of securities to Clients, nor do
 any of the investment advisor representatives of LTA.

Item 7: Types of Clients
Description
 LTA generally provides investment advice to individuals, high net worth individuals, trusts,
 and corporations or business entities. Client relationships vary in scope and length of
 service.
Account Minimums
 LTA does not require a minimum to open an account.