Palladiem LLC

Item 5: Fees and Compensation
OAR Financial advisory fees are calculated as an annual percentage of assets based on the
account’s value at the time of billing and are set out in the written agreement. We reserve the right
to negotiate fees and we may manage certain accounts without an advisory fee, such as accounts
of employees, former employees, employees’ affiliates or their relatives. You may pay more or less
than other clients depending on certain factors, such as if you have another account with us or if we
negotiate different fees with you.

Investment Advisory Services
OAR Financials’s standard fee schedule for Investment Advisory Services are listed below. Fees are
generally charged quarterly in advance, based on the account’s market value provided by the
custodian. At its discretion, OAR Financial may negotiate the fees depending on the level and scope
of services provided and are agreed upon in the signed advisory agreement. We will generally charge
a minimum annual fee of $35,000. If an account is terminated within the quarter, we will refund the
days in the quarter the account was not under our management.

                   Account Market Value                 Annual Advisory Fee
                   Up to $100 Million                           0.35%
                   $100 Million - $250 Million                  0.32%
                   $250 Million - $500 Million                  0.29%
                   Over $500 Million                         Negotiable

Outsourced Chief Investment Officer Non-Discretionary Services
Our fees for outsourced chief investment officer are negotiated based on the level of services
provided and the size of the relationship and are agreed upon in the signed advisory agreement.

Sub-Advisory Services
OAR Financial has entered into a Sub-Advisory Agreement (the “Agreement”) with a third-party
Registered Investment Adviser. The fees paid to us are disclosed in the Agreement.

Other Fees and Expenses
In addition to the fees payable to OAR Financial, there will be other costs assessed that are not
included in the fees described above, such as fees, expenses, and charges levied by mutual funds,
ETFs, and money market mutual funds, costs associated with the purchase, sale, and marketing of
certain mutual funds and other similar securities held in your account, dealer mark-ups, odd lot
differentials, exchange or auction fees, transfer taxes, any fees imposed by the SEC, electronic fund
and wire transfer fees, clearing and custody costs, fees or commissions for securities transactions,
costs associated with temporary investment of your funds in a cash management account, trust
service charges and other charges mandated by law. Further, interest will normally be charged on a
debit balance in your account. Other costs include TAMP fees that are not included in the standard
fee schedule.

The fees described above do not include transaction charges for execution other than at your
custodian. Please refer to Item 12 for more information about our brokerage practices.

Mutual funds may charge a redemption fee if shares are redeemed within a specified time period.
Clients may incur redemption fees when an investment model is updated. Redemption fees vary by
mutual fund and are described in each fund’s prospectus. Custodians and broker-dealers may be
paid certain fees relating to these mutual funds, such as networking or 12b-1 fees.

Compensation for the Sale of Securities
Neither OAR Financial nor any of its supervised persons accept 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
OAR Financial’s clients include, but may not be limited to, institutions such as financial services
firms, investment management firms, insurance companies, other registered investment advisers,
broker-dealers, and banks, we also have individuals and high net-worth individuals for clients.

General Requirements
OAR Financial’s portfolio management services are generally offered to investors through programs
where the Consultant of a third-party Firm or Sponsor provides advice to you. Consultants are not
employees of OAR Financial but are independent or employed by Sponsors and Firms not affiliated
with OAR Financial.

Generally, you should have a written agreement with your Sponsor and/or Consultant. The
Consultant collects financial and background information from you and assists you in identifying
your investment objectives. The Consultant recommends strategies that are designed to meet those
objectives. Your Consultant is your primary contact and he or she should report to you regularly.

Consultants may utilize software, marketing and sales material and other documentation provided
by OAR Financial to assist you in selecting an investment strategy that is suitable for you.

OAR Financial will receive your financial information from the Consultant, your custodian, the
Sponsor, or the broker-dealer, as applicable. In accordance with its fiduciary duty, OAR Financial
reviews the account opening paperwork or Client profile information provided by the Sponsor or your
Consultant to determine whether the selected Strategy is suitable for you. OAR Financial reserves
the right to request additional information to be provided by you. After we accept the account for
management, we are granted investment discretion by you and exercise such discretion in
management of the account.