Oak Root LLC

Item 5: Fees and Compensation

A. Fee Schedule

Asset-Based Fees for Portfolio Management

        Total Assets Under Management         Annual Fee

        $0 - $1,000,000                       0.90%

        $1,000,000 - $5,000,000               0.70%

        $5,000,000 - $10,000,000              0.50%

        $10,000,000 – And Up                  0.40%

The final fee schedule is attached as Exhibit II of the Investment Advisory Contract.
Clients may terminate the agreement without penalty for a full refund of ORL's fees
within five business days of signing the Investment Advisory Contract. Thereafter, clients
may terminate the Investment Advisory Contract generally with 30 days' written notice.

ORL uses the value of the account as of the last business day of the billing period, after
taking into account deposits and withdrawals, for purposes of determining the market
value of the assets upon which the advisory fee is based.

Selection of Other Advisers Fees

ORL will receive its standard fee on top of the fee paid to the third party adviser. This
relationship will be memorialized in each contract between ORL and each third-party
adviser. The fees will not exceed any limit imposed by any regulatory agency.

These fees are negotiable.

ORL may engage in the selection of third-party money managers, but does not have any
such arrangements in place at this time. This service may be canceled with 30 days’ notice.

Financial Planning Fees

ORL does not charge for financial planning services.

Clients may terminate the agreement without penalty, for full refund of ORL’s fees, within
five business days of signing the Financial Planning Agreement. Thereafter, clients may
terminate the Financial Planning Agreement with upon written notice.

B. Payment of Fees

Payment of Asset-Based Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in arrears.

Payment of Selection of Other Advisers Fees

The timing, frequency, and method of paying fees for selection of third-party managers
will depend on the specific third-party adviser selected.

Payment of Financial Planning Fees

ORL does not charge for financial planning services.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by ORL. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

ORL collects its fees in arrears. It does not collect fees in advance.

E. Outside Compensation For the Sale of Securities to Clients

Neither ORL nor 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
sale of mutual funds.

Item 7: Types of Clients

ORL generally provides advisory services to the following types of clients:

           ❖ Individuals
           ❖ High-Net-Worth Individuals
           ❖ Pension and Profit Sharing Plans

Minimum Account Size

There is no account minimum for any of ORL’s services.