Optima Capital Management LLC

Item 5: Fees and Compensation                                         Retirement Plan Services
A. Fee Schedule                                                       Our Retirement Plan Services Agreement outlines our fee, which
Our fees are negotiable, and each service we offer is governed        is determined by the total value of Plan assets and the number
by a separate agreement that specifies the applicable fee             of Plan participants.
schedule. The specific billing methodology and fee calculations              Total Assets Under                     Maximum
are detailed in each client’s agreement.                                       Management                           Annual Fee
                                                                               $0 to $1 Million                       1.00%
We reserve the right to waive fees for all or part of our services,
                                                                           $1 Million to $10 Million                  0.50%
and to determine whether to include specific securities and
                                                                                $10 Million +                         0.25%
cash in a client’s billable assets.
                                                                      We rely on the custodian’s estimate of the Plan’s included total
In addition, we may propose fee increases in the future and will
                                                                      assets to determine the fee applicable to the Plan.
provide you with thirty (30) days’ prior notice. Any proposed fee
increase will not be effective until we receive your signed           Fees are billed monthly or quarterly, in advance or in arrears,
agreement.                                                            based on the total value of includable assets held in the Plan, as
Account Valuation                                                     determined by the Plan’s custodian on the last day of the billing
We determine the market value of your account’s investments           quarter. The fee is calculated by multiplying the annual fee rate
based on the securities listed on a national securities exchange,     by the total asset value at the end of the period to determine the
subject to the current last-sale reporting price, which will be       Plan’s daily rate, which is defined as the Plan’s total assets’
valued at the amount reported on the statement you receive            annualized fee amount divided by 365.
from the custodian.
                                                                      In addition, excluded Assets will not be included in the
Any securities not traded or subject to last-sale reporting will be   calculation of our fee payable to us.
valued at the latest available bid price reflected by quotations
furnished to us by appropriate sources.                               Third-Party Investment Strategy Services
                                                                      We receive compensation from third-party investment services
Finally, any other security of your account will be valued in such    for our role as an investment strategy provider. This
a manner that you and we will determine in good faith to reflect      compensation is generally based on a percentage of
its fair market value.                                                subscription or program fees paid by subscribers who choose to
Portfolio Management                                                  follow our investment strategies through these services. The
We determine an appropriate fee schedule for each client’s            percentage of revenue we receive may vary based on factors
portfolio based on its size, complexity, and investment               determined by the third-party service, including whether a
objectives, as outlined in our Investment Agreement.                  subscriber is an existing platform subscriber or enrolls through a
                                                                      designated marketing channel. Third-party services may modify
        Total Assets Under                      Maximum
          Management                            Annual Fee            their subscription pricing or revenue-sharing arrangements at
             All Assets                           1.50%               their discretion upon notice to us.

Your portfolio management fee is billed monthly in advance. If        Third-party investment services may charge our firm
you terminate our services, we will refund any unearned fees          onboarding, marketplace, or ongoing participation fees for
paid in advance on a prorated basis.                                  making investment strategies available through their programs.

Optima Capital Management LLC - Firm Brochure as of 4/22/2026                                                                    Page 6 of 15

These services may offset, withhold, or deduct such fees from          Retirement Plan Services
amounts otherwise payable to us. In addition, third-party              Our fees for Retirement Plan Services are billed monthly or
services may withhold or deduct amounts related to marketing           quarterly in arrears, depending on the Plan Sponsor.
or promotional expenses, refunds, chargebacks, or other costs
attributable to our participation in the program.                      During a partial billing period, we will bill the Plan in arrears for
                                                                       the days on which we provided services. The amount billed will
These compensation arrangements create potential conflicts of          be in accordance with the fee schedule in your Retirement Plan
interest, as they may incentivize us to design, maintain, or make      Services Agreement.
available investment strategies that are more likely to attract or
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