Marygold & Co Advisory Services LLC

ITEM 5                    FEES AND COMPENSATION
A. DESCRIPTION AND BILLING

The annual advisory fee for the Money Pool Investment Service is 30 basis points (0.30%). This does not
include the underlying expenses of the ETFs. The IAC is valid for terms of one year with automatic one-
year renewals. Any changes, such as an increase or decrease to the annual advisory fee, will be made to the
IAC with advance notice.

B. OTHER FEES AND PAYMENTS

Fees associated with the Money Pool Investment Service will be deducted directly from the Client’s brokerage
account with DriveWealth or bank account with CFSB quarterly and collected in arrears. Clients with
investments in ETFs will also incur the underlying expenses of the ETFs selected. These expenses may
include management fees, custodial fees, brokerage commissions, and legal and accounting fees. Expenses
of an ETF may vary and depend solely on the issuer of the ETF. Marygold & Co. Advisory Services LLC
will not collect any portion of the fees charged by the ETF issuers and will not be compensated by the ETF
issuers. The Money Pool Investment Service is available only through the Firm’s parent company’s Mobile
App and requires a bank account to be opened by the Client at CFSB and a custodial brokerage account to
be opened at DriveWealth. The Firm’s parent earns an interchange fee based and transactions processed
through the bank account at CFSB. The Firm’s Money Pools are not banking products and are not FDIC
insured.

C. REFUND AND TERMINATION POLICY

Clients may terminate their services without penalty by withdrawing their investment from the Money
Pool(s) at any time. Once the Firm receives notice of termination, any service fees owed for services
rendered prior to termination will become due immediately. The Firm will then discontinue all services and
responsibilities to the Client’s investment in the Money Pool(s). Since the Firm charges in arrears, if the
service is terminated mid-month, the Firm’s final fee will deducted on the day the Client sells out of the
Money Pool. Services will continue, and fees will continue to be charged, until terminated by the Client
and will not terminate automatically upon the expiration of the client’s time horizon See Items 4.B and 13.

D. OTHER COMPENSATION

Neither the Firm nor any of its supervised persons accept any compensation for the sale of securities or
other investment products, including asset-based sales charges or service fees from the sales of any
securities.

ITEM 7                   TYPES OF CLIENTS

Our Firm offers services to individuals. Our Clients are individuals and families from all walks of life and
all levels of investment expertise. Our Firm requires a minimum account size of $25. Our goal is to help
individuals attain financial independence by creating an environment in which they can thrive.

Privacy Notice
We collect certain nonpublic information about you ("Customer Information"). The essential
purpose for collecting Customer Information is to allow us to provide advisory services to you.
Customer Information we collect may include:

  •   Information that you provide on applications or other forms. This Customer Information may include
      personal and household information such as income, spending habits, investment objectives, financial
      goals, statements of account, and other records concerning your financial condition and assets, together
      with

  •   information concerning employee benefits and retirement plan interests, wills, trusts,

  •   mortgages and tax returns.

  •   Identifying information such as your name, age, address, social security number, etc.

  •   Information about your transactions with us, or others (e.g., broker-dealers, clearing firms, or other
      chosen investment sponsors).

  •   Information we receive from consumer reporting agencies (e.g., credit bureaus),

  •   as well as other various materials we may use to provide an appropriate recommendation or to fill a
      service request.

We restrict access to your nonpublic personal information to those employees who need to know that
information to service your account. We maintain physical, electronic, and procedural safeguards that comply
with applicable federal or state standards to protect our nonpublic personal information.