Redwood Holdings LLC

Item 5.         Fees and Compensation
Account Management: The specific manner in which fees are charged by the Firm is established in a
client’s written agreement. Fees are based on a percentage of assets under management and calculated
at an annual rate and billed in advance on a quarterly basis. This rate will not exceed 2.90%. The rates to
be applied depend on, but are not limited to, the type of assets under management, the composition or
structure of the account, the investment strategy used to manage the account, the size of the account,
and the services required by the client. We may also consider related accounts (e.g., IRA accounts,
familial accounts, etc.). Fees are negotiable at the account opening. Fees in excess of 3% are higher than
industry norms. Other investment advisors may offer programs that charge similar fees may not charge
separately for brokerage and transaction costs.

Fees are generally debited directly from the clients but may be billed separately at the client’s request.
The first payment will be prorated to cover the period from the date the Account is opened through the
end of the current calendar quarter. Thereafter, the fees will be payable quarterly in advance at the
beginning of each calendar quarter based on the net market value of the account prior to the opening of
trading on the first business day of such quarter. The fee will be calculated by multiplying market value
of the account by the annual fee and then dividing that result by four, which represents each quarterly
fee. Net asset value includes all cash and all other assets of the account (valued at liquidation value)
under management after taking into account all brokerage commissions and fees, and other expenses of
the Account. Deposits of $250,000 or more made during the calendar quarter will be prorated and
charged in advance.

Redwood Wealth Management may consider the use of certain Special Purpose Vehicle (SPV)
investments for a client’s account. Any SPVs used by Redwood Wealth Management are proprietary and
therefore a conflict of interest may occur. To mitigate the conflict of interest, Redwood Wealth
Management fully discloses the relationship between the SPV product and Redwood Wealth
Management and does not include the SPV value in its management fee calculation.

Upon termination of an account, any prepaid, asset-based fees will be prorated according to the days
the account was opened during the calendar quarter and excess fees will be rebated back to the client.

Separate Accounts: Your account will be charged a fee that is negotiated between you and Redwood
which will be specified in your Agreement with the third-party money manager and in the manager’s
disclosure statements. Our portion of the fee will not exceed 2.40%; 0.50% is paid to the third-party
investment manager. All fees are calculated and collected by the third-party money manager who

delivers our portion of the advisory fee to us. Fees are charged per the client agreement and are
generally charged quarterly in advance based on the account value on the last business day of the prior
calendar quarter.

By agreement, the combined total fee charged to each client by the IAR and third-party money manager
shall not exceed 2.90% of the client’s assets under management. IARs are compensated by adding their
fee schedule for their services to the management fee for the third-party manager. Fees in excess of 3%
are higher than industry norms. Other investment advisors may offer programs that charge similar fees
may not charge separately for brokerage and transaction costs.

 General Information
The advisory fees and transaction charges do not cover charges imposed by third-parties including, but
not limited to, mutual fund sales loads, 12b-1 fees, surrender charges, and IRA and qualified retirement
plan fees. We will never receive any portion of such commissions or fees. We are only compensated by
the advisory fee described above. In addition, each mutual fund or third-party money manager charges
asset management fees, which are in addition to the advisory fees charged by our firm. Accounts may
require a minimum advisory fee or quarterly maintenance fee that will be detailed in the applicable
advisory agreement. The Management Fee also does not cover fees and charges in connection with:
debit balances; margin interest; odd-lot differentials; IRA fees; transfer taxes; exchange fees; wire
transfers; extensions; non-sufficient funds; mailgrams; legal transfers; bank wires; postage; costs
associated with exchanging foreign currencies; and SEC fees or other fees or taxes required by law.

Clients should be aware that such fees may be more or less than the fees and commissions associated
with investment advisory and brokerage services purchased separately. The comparison is dependent
upon a number of factors, including the frequency of brokerage activity in the client’s account, the size
of the account under management, and any negotiated fee arrangements with respect to the account.
An investor should consider these factors prior to opening an Advisory Account with Redwood.
Transaction fees charged may be higher than those otherwise available if the services were provided
separately for a discrete fee or if an Investment Advisor were to select brokerage and negotiate
commissions in the absence of the extra consulting service provided. Clients should consider the value
of the additional consulting services when making such comparisons. The combination of custodial,
consulting, and brokerage services may not be available separately or may require multiple accounts,
documentation, and fees. All fees described herein may be subject to negotiation depending on a range
of factors including, but not limited to, account size and overall range of services requested. Lower fees
for comparable services may be available from other sources.

Account Termination
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Item 7.         Types of Clients
Redwood provides portfolio management services to individuals, high net worth individuals,
corporations, and other business entities. Redwood has no account minimums.

Certain managers, who are offered by Redwood, may require a minimum as disclosed in the individual
manager’s Firm Brochure. Under certain circumstances, their minimum may be waived by including related
accounts that may be combined to meet the minimum.