Optas LLC

Item 5. Fees and Compensation

      Optas offers services on a fee basis, which includes fixed and/or hourly fees, as well as fees based
      upon assets under management.

      Fees are typically due from clients, but the Firm’s services can be paid for in full or in part by a
      third-party sponsor if agreed upon in writing between the Firm and the sponsor. In addition to
      advisory fees, a sponsor may pay a flat non-refundable access fee to the Firm in order to secure
      access to the advisory services. Sponsors will be directly invoiced by the Firm. Third-party
      advisory fee billing will be outlined in the advisory agreement between the Firm, the client, and
      the sponsor.

      Financial Planning and Consulting Fees

      The Firm charges on an hourly or fixed fee basis for financial planning and consulting services.
      The fixed fee, or estimated hourly fee, is based on the scope and complexity of the engagement. The
      maximum hourly rate to be charged will not exceed $500. Fixed fees are customized based on
      the specific needs of the client, complexity, estimated time, research, and resources required
      to provide our services, and other factors we deem relevant. Fees will be due either at the
      time of engagement, as quarterly progress payments, or upon delivery of a financial plan or
      completed consultation project. Ongoing relationships are charged periodically as described in
      the Investment Management section, below. The fee-paying arrangements will be detailed in the
      signed consulting agreement. Advisory fees paid for by a third-party Sponsor will be directly
      invoiced to the Sponsor.

      Investment Management Fees

      Optas offers Investment Management services for an annual fee based on the amount of assets
      under the Firm’s management. This management fee will not exceed 1.5% (150 basis points).

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 Disclosure Brochure                                                                                   Optas

      Optas offers Comprehensive Portfolio Management services for an annual fee based on the amount
      of assets under the Firm’s management or for a fixed fee. This Comprehensive Portfolio
      Management fee will not exceed an asset-based fee of 2.00% (200 basis points).

      Annualized fees are billed quarterly in advance based on the value of the account(s) on the last day
      of the previous quarter. Adjustments are made quarterly in arrears for net daily deposits and
      withdrawals made during the previous quarter. Any margin debit will be subtracted from the
      collateral account(s) balance unless the client authorizes the Firm to bill on the gross value of
      margin account(s) in a separate signed agreement or acknowledgment. The Firm bills on cash
      unless otherwise agreed.

      Retirement Plan Consulting Fees
      Retirement Plan Consulting services clients are billed a fee based on the percentage of plan assets
      under management or advisement. The fee is based on the scope and complexity of the
      engagement. Fees based on a percentage of managed Plan assets will not exceed 1.00% (100 basis
      points). The fee-paying arrangements will be determined on a case-by-case basis and will be
      detailed in the signed consulting agreement.

      Tax Preparation and Filing Fees

      Tax preparation and filing fees are separate and in addition to advisory or planning fees charged
      by Optas. At times, Optas may waive these separate fees on a client-by-client basis.

      Estate Planning Consulting Fees

      Estate Planning Consulting fees are separate and in addition to advisory or planning fees charged
      by Optas. At times, Optas may waive these separate fees on a client-by-client basis. When the
      Client engages with an unaffiliated, third-party attorney, fees are paid by the Client directly to the
      attorney.

      Fee Discretion

      Optas will, at its sole discretion, determine fees based upon certain client criteria, such as
      anticipated client earning capacity, anticipated client assets, dollar amount of assets to be managed,
      related accounts, account composition, pre-existing/legacy client relationship(s), account
      retention, pro bono activities, or competitive purposes.

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 Disclosure Brochure                                                                                   Optas

      Additional Fees and Expenses

      Independent Manager fees will vary based upon the program offering of the chosen Independent
      Manager. The fee to be charged will be disclosed in a separate advisory agreement signed by the
      client, either between the client and the Independent Manager or between the client and Optas. The
      Independent Manager’s fee billing practices will be detailed in their disclosure brochure provided
      to the client.

      In addition to the advisory fees paid to Optas, clients also incur certain charges imposed by other
      third parties, such as broker-dealers, custodians, trust companies, banks and other financial
      institutions (collectively “Financial Institutions”). These additional charges include transaction fees
      for trades executed by their chosen custodian, either based on a percentage of the dollar amount of
      assets in the account(s) or via individual transaction charges. These transaction fees are separate
      from our firm’s advisory fees and will be disclosed by the chosen custodian. Clients may also pay
      holdings charges imposed by the chosen custodian for certain investments, charges imposed
      directly by a mutual fund, index fund, or exchange traded fund, which shall be disclosed in the
      fund’s prospectus (i.e., fund management fees and other fund expenses), mutual fund sales loads,
      12b-1 fees, surrender charges, variable annuity fees, IRA and qualified retirement plan fees, mark-
...

Item 7. Types of Clients

      Optas offers services to individuals, high net worth individuals, trusts, estates, charitable
      organizations, corporations and other business entities, and pension and profit-sharing plans.

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 Disclosure Brochure                                                                                      Optas