NorthStar Asset Management LLC

Item 5: Fees and Compensation

A. Fee Schedule

Investment Advisory Services Fees

Oakbourne Advisors’s annual investment advisory fee is paid quarterly in arrears, under
the terms and conditions of an Investment Advisory Agreement. The investment
advisory fee is generally based on a percentage of the market value of aggregated client
household assets under management at the end of the preceding calendar quarter, as
valued by the client’s designated custodian, according to the following tiered fee
schedule:

       Value of Assets Under Management                             Annual Fee
       Assets up to $750,000                                        1.20%
       Assets between $750,001 -       $2,000,000                   0.98%
       Assets between $2,000,001 - $3,000,000                       0.70%
       Assets between $3,000,001 - $4,000,000                       0.57%
       Assets between $4,000,001 - $5,000,000                       0.47%
       Assets exceeding $5,000,000 +                                0.18%

Oakbourne Advisors’s investment advisory fee is generally non-negotiable, except that
it may extend discounted services to family members and friends of Oakbourne
Advisors’s representatives. Certain legacy clients may have accepted different service
offerings from Oakbourne Advisors and may therefore receive services under different

fee schedules than as set forth above. As a result of these factors, similarly situated clients
could pay different fees which correspondingly impact a client’s net account
performance. The services to be provided by Oakbourne Advisors to any particular client
could be available from other advisers at lower fees.

Financial Planning and Consulting Services (Stand-Alone)

Oakbourne Advisors’s financial planning and consulting fees are negotiable but can
range from $3,000 to $10,000 on a fixed fee basis depending upon the scope and
complexity of the services or are $300 per hour if engaged on an hourly rate basis. Before
engaging Oakbourne Advisors to provide financial planning and consulting services on a
stand-alone separate fee basis, clients are required to enter into a Financial Planning
Agreement with Oakbourne Advisors, setting forth the terms and conditions of the
engagement (including termination), describing the scope of the services to be provided,
and the portion of the fee that is due from the client before Oakbourne Advisors will
provide services.

Retirement Plan Consulting Services

The terms and conditions of the retirement plan consulting engagement will be set forth
in a written agreement between Oakbourne Advisors and the plan sponsor. Oakbourne
Advisors’s advisory fee for these services is generally between .15% and 1% of the value
of retirement plan assets, or a negotiated fixed fee, depending upon the scope of the
engagement.

B. Payment of Fees

Payment of Investment Advisory Fees

For investment advisory services, clients are billed quarterly in arrears, based upon the
market value of the assets at the end of the preceding calendar quarter, as valued by the
client’s designated custodian. Oakbourne Advisors will prorate and deduct fees directly
from the client’s accounts with client’s written authorization or clients may choose to be
invoiced and billed directly. If Oakbourne Advisors bills the client directly, payment is
due upon receipt of Oakbourne Advisors’s invoice.

All other fees will be payable according to the terms and conditions of the applicable
agreement.

Financial Planning and Consulting Services (Stand-Alone)

Financial Planning and Consulting Services are due upon completion and delivery of the
plan and are payable by check.

Retirement Plan Consulting Services

The timing, frequency, and method of paying fees for retirement plan consulting services

will depend on the specific situation of the client and will be disclosed to the client prior
to entering into a relationship with the third-party advisor.

C. Clients Are Responsible for Third Party Fees

Unless the client directs otherwise or an individual client’s or a company retirement plan
client’s circumstances require, Oakbourne Advisors generally recommends that SEI
Private Trust Company (“SEI”), or Charles Schwab Institutional (“Charles Schwab”) and
their respective affiliates serve as the broker-dealer/custodian for client investment
advisory assets. Broker-dealers charge transaction fees for effecting certain securities
transactions according to their fee schedule, and they or their affiliated custodians also
impose additional charges for custodial services / fees associated with maintaining the
client’s account. For mutual fund and ETF purchases, clients will incur charges imposed by
the respective fund, which represent the client’s pro rata share of the fund’s management
fee and other fund expenses. These fees and expenses are described in each fund’s
prospectus or other offering documents. Clients enrolled in the TAMPs described above
will also incur separate and additional fees under the terms and conditions of a separate
agreement the client signs with the TAMP sponsor. The fees charged by the applicable
broker- dealer/custodian, and the charges imposed by mutual funds and ETFs, and the
fees charged by TAMPs are separate from and in addition to Oakbourne Advisors’s
advisory fee referenced in this Item 5. Oakbourne Advisors does not share in any portion
of those fees.

D. Prepayment of Fees

Oakbourne Advisors’s annual investment advisory fees are prorated and paid quarterly,
in arrears based upon the market value of the assets on the last business day of the previous
quarter. Those fees are reflected on the monthly account statements that clients receive
from their respective custodian. The applicable form of agreement between Oakbourne
Advisors and the client will continue in effect until terminated by either party by written
notice in accordance with the terms of such agreement. Upon termination, a pro-rated
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Item 7: Types of Clients

Oakbourne Advisors generally offers investment advice and/or management supervisory services to the
following types of clients:

           Individuals

            High-Net-Worth Individuals
            Pension and Profit Sharing Plans: 401(k); 403(b) plans
            Trusts, Estates, or Charitable Organizations
            Corporations or Business Entities
Minimum Account Size
While Oakbourne Advisors does not impose a firm requirement for opening or maintaining an account,
its services are generally designed for clients having at least $250,000 designated for its management.
Oakbourne Advisors does, however, impose a minimum quarterly fee of $1,000, which may be reduced
or waived in our sole discretion. Accounts with asset values below the amount indicated above, and which
are subject to the minimum fee, may have annual advisory fee rates that exceed the percentages noted above.