OT Financial LLC

Item 5: Fees and Compensation

A. Fee Schedule

Selection of Other Advisers Fees

TF directs clients to third-party investment advisers. TF will be compensated by
deducting the advisory fee from the client’s account and paying a portion of that fee to
the third party manager that was selected. This relationship will be memorialized in each
contract between TF and each third-party adviser. The fees shared will not exceed any
limit imposed by any regulatory agency. The notice of termination requirement and
payment of fees for third-party investment advisers will depend on the specific third-
party adviser selected.

TF has discretion to select managers, and currently allocates assets to Carnegie Investment
Counsel. The annual fee schedule is as follows:

    Total Assets Under
                                 Total Fee
       Management
      Up to $2,000,000             1.00%
   $2,000,001 - $4,000,000          .75%
   $4,000,001 - $6,000,000          .60%
    $6,000,001 - And Up             .45%

The above fee includes the portion paid to the third party adviser. The amount paid to
the third party adviser will generally be between 0.20% - 0.25%.

In accounts where TF serves as the financial adviser and Turnstone Private Trust (TPT)
serves as the corporate trustee, the above published fee schedule includes the portion that
will be shared with TPT for serving as trustee. In some instances, the total fee charged
may exceed the above published fee schedule due to minimum fees charged by NATC for
corporate fiduciary services. In situations where an account is referred to Turnstone
Financial by an outside money manager, the total management fee may also exceed this
published fee schedule due to the management fee being charged by the referring
institution. In all cases, the fee will be negotiated with the client and disclosed upon
executing the opening account documents. This service may be canceled upon written
notice.

In addition to the above annual fee schedule, all investment management accounts and
trust accounts are subject to a tax prep fee. Non-trust accounts are assessed an annual fee
of $75.00/account. Since trust accounts are required to file an IRS Form 1041 and some
trust accounts must also file a state return, tax prep fees vary and are based on charges
received by TF by their tax provider.

    Total Assets Under
                                       Total Fee
       Management
      Up to $2,000,000                 1.15%
   $2,000,001 - $4,000,000             0.90%
   $4,000,001 - $6,000,000             0.75%
    $6,000,001 - And Up           0.60% Negotiable

In accounts where TF serves as the investment adviser and Turnstone Private Trust (TPT)
serves as the trustee for an irrevocable trust account, the above published fee schedule
includes the portion that will be shared with TPT for serving as trustee.

Non-marketable assets, I.e. notes, real estate and life insurance, are not charged a market
value fee. TF will assess a negotiated flat fee per asset that is charged in arrears.

Account Monitoring

TF typically charges .10% for this service. These fees are negotiable.

B. Payment of Fees

Payment of Selection of Other Advisers and Account Monitoring Fees

Fees for selection of third-party advisers and account monitoring are withdrawn directly
from the client’s account by the custodian. Fees are paid monthly in arrears.

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 TF. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

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

E. Outside Compensation For the Sale of Securities to Clients

Neither TF 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

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

           ❖ Individuals
           ❖ High-Net-Worth Individuals
           ❖ Charitable Organizations

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