Pave Investment Advisors LLC

Item 5           Fees and Compensation

   A.    ACCOUNT SERVICE FEE
         Pave’s monthly account service fee is ten dollars per month ($10.00). Pave offers
         discounted fees at times or offers a discounted fee to Client’s that pay annually in

         advance. If Client has paid the service fee annually in advance, but terminates during the
         term, Client will have a right to a refund calculated as if Client were paying month to
         month and Pave shall recalculate the fee for the month to month service. Any portion of
         the fee remaining based on the month to month calculation will be refunded to Client.

   B. Clients must pay for Pave’s service fees via apple pay, credit card, check or bank transfer
      through the application.

   C. In most cases, broker-dealers through which clients execute their securities purchases
      charge a brokerage commissions and/or transaction fees (i.e. transaction fees are charged
      for certain mutual funds, commissions are charged for individual equity transactions, and
      mark-ups and mark-downs are charged for fixed income transactions). Also, clients’
      account custodians will charge typical custodial fees and expenses. In addition, Pave may
      recommend ETFs that have various internal fees and expenses (i.e. management fees),
      which are paid by these funds but ultimately borne by clients as a fund shareholder. These
      internal fees and expenses are in addition to the fees charged by Pave.

   D. Tradeaway/Prime Broker Fees. In some cases, Clients may choose to execute securities
      transactions through broker- dealers other than the account custodian, in which event, the
      client generally will incur both the fee (commission, mark-up/mark-down) charged by the
      executing broker-dealer and a separate “tradeaway” and/or prime broker fee charged by
      the account custodian.

   E. Pave’s annual service fee is pro-rated and generally paid monthly. Pave does not
      generally require an annual minimum fee or asset level for investment advisory services.
      The Investment Advisory Agreement between Pave and the client will continue in effect
      until terminated by either party by written notice in accordance with the terms of the
      Investment Advisory Agreement. In the event of an intra-month termination, the effective
      date of the termination will be the end of the current calendar month.

   F. Neither Pave, nor its representatives accept compensation from the sale of securities or
      other investment products from any, broker dealer, account custodian, or other third party.

   G. Pave recommends from time to time that clients purchase fractional shares of a particular
      issuer in order to meet the investment objectives and goals of the client. If a client
      implements this advice and places and order for less than a “round lot” or a full share of a
      security, the client could incur additional brokerage fees for such purchase. Clients
      should inquire with their executing broker whether additional brokerage commissions are
      charged with respect to the order of a fractional share purchase. Additionally, many
      brokerage firms do not guarantee the liquidity of fractional shares and will not actively
      make a market in such fractional shares which could cause the client to incur additional
      expenses in the event that the client sought to sell such fractional shares. Furthermore, if
      a client were to transfer its account to another brokerage firm, the broker at which a
      client’s assets are held could refuse to assist the client in the transfer of such fractional
      shares, thereby causing the client to incur further expense and delay with respect to such
      shares.

   H. In some cases Pave may charge a fee to manage assets based on the asset value in the
      account. Depending on the client and overall amount of assets, Pave may charge monthly
      or quarterly in arrears or in advance. Pave's fees on an assets under management basis may
      range from 0.12% to 1.00% per annum.

Item 7           Types of Clients

         Pave’s discretionary and non-discretionary clients shall generally include individuals and
         high net worth individuals. These clients may be located in the United States of America
         or any other jurisdiction in which Pave is licensed or authorized to do business.