Symmetry Capital Advisors LLC

Fees and Compensation

Fees for Advisor’s services may vary from client to client, depending on complexity and the nature of the
relationship, and are based upon a percentage of assets under supervision in accordance with the written
[investment advisory] agreement between Advisor and each client. Effective January 1, 2024 the fee structure
generally is as follows:

Assets Under Supervision         Annual Fee
$1 million to $2 million         95 basis points (.0095 x Assets Under Supervision)
$2 million to $3 million         85 basis points (.0085 x Assets Under Supervision)
$3 million to $5 million         75 basis points (.0075 x Assets Under Supervision)
$5 million to $8 million         65 basis points (.0065 x Assets Under Supervision)
$8 million to $10 million        55 basis points (.0055 x Assets Under Supervision)
$10 million and above            Negotiable

Fees are not “tiered.” Thus, the Annual Fee is applied to the first and last dollar based upon the total value of
Assets Under Supervision during the calendar quarter. If at any time the value of the Assets Under Supervision
falls below $1 million, the Annual Fee shall be 100 basis points per year (.01 x Assets Under Supervision) until
the value exceeds $1 million for a full calendar quarter. Fees are negotiable, have been changed over time and
are subject to change in the future, but no fees charged shall be performance-based and will be collected in
arrears (after the end of the calendar quarter during which Advisor’s services were provided). Fees are due at
the end of each calendar quarter.

Each client will be required to sign Advisor’s standard Agreement for Professional Services (“APS”). This APS
can be terminated upon five days written notice by either client or Advisor, without cause. If an APS is
terminated during a quarter, Advisor’s fees shall be assessed only for the portion of the quarter during which
Advisor provided investment advisory services to client.

As authorized by the client, Advisor generally deducts fees from the client’s assets after the end of each
calendar quarter. A client may pay by check.

Fees charged by any broker, custodian, fund manager, and/or separate account manager are not included in
the fees payable to Advisor and must be paid separately by client. These fees may be higher or lower than
other similar providers of such services.

                                                                           ©2010 National Compliance Services 800-800-3204

       Symmetry Capital Advisors LLC                                                                  CRD # 122563

                    Performance-Based Fees and Side-By-Side Management

N/A

Types of Clients

The types of clients to which Advisor provides services are individuals, pension and profit sharing plans, trusts,
estates, charitable organizations, and corporations or other business entities.

Advisor provides investment supervisory services to its clients. The account minimum is $1 million but Advisor
may make exceptions to this threshold on a case-by-case basis.

                     Methods of Analysis, Investment Strategies and Risk of

Advisor’s method of analysis is based upon Modern Portfolio Theory (“MPT”). In Advisor’s opinion, MPT best
explains why and how long term returns are generated in a portfolio made up of statistically diverse group of
asset classes. Advisor uses MPT to define various asset classes that are put to work in a portfolio made up of
a number of asset classes with varying statistical qualities. Asset classes, and the actual assets used to
represent the asset classes (usually no-load mutual funds or exchange traded funds), are carefully screened
and selected for use in a client’s portfolio based upon MPT. Each asset class is then monitored to see that it
performs as it should and that it continues to represent the desired asset class in the portfolio. Data and
software products from various third party vendors are purchased and used by Advisor in connection with this
analysis and monitoring process.

The investment strategies used to implement any investment advice given to clients by Advisor include long-
term purchases (securities held at least a year). Once the proper asset allocation has been established in a
client’s portfolio, Advisor recommends a long-term, “buy and hold” strategy. Nonetheless, if an asset fails to
perform as it should, Advisor may recommend that it be replaced. Further, Advisor generally recommends that
re-balancing of each portfolio be considered each year to eighteen months, depending upon market conditions,
withdrawals, and the like. Advisor also may recommend certain sales or purchases be made for tax efficiency.

As is the case with investing in any security, clients bear a risk of loss due to fluctuations in the value of the
asset classes that comprise their portfolio.

Investing in securities involves risk of loss that clients should be prepared to bear.

All investment programs have certain risks that are borne by the investor. Advisor’s investment approach
constantly keeps the risk of loss in mind. Investors face the following investment risks:
     • Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example,
         when interest rates rise, yields on existing bonds become less attractive, causing their market values to
         decline.
     • Market Risk: The price of a security, bond, or mutual fund may drop in reaction to tangible and
         intangible events and conditions. This type of risk is caused by external factors independent of a
         security’s particular underlying circumstances. For example, political, economic and social conditions
         may trigger market events.
     • Inflation Risk: When any type of inflation is present, a dollar today will not buy as much as a dollar next

                                                                              ©2010 National Compliance Services 800-800-3204

        Symmetry Capital Advisors LLC                                                                  CRD # 122563

         year, because purchasing power is eroding at the rate of inflation.
    •    Currency Risk: Overseas investments are subject to fluctuations in the value of the dollar against
         the currency of the investment’s originating country. This is also referred to as exchange rate risk.
    •    Reinvestment Risk: This is the risk that future proceeds from investments may have to be reinvested
         at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities.

Advisor generally recommends no-load mutual funds and exchange traded funds to replicate the asset
classes in a client portfolio. The recommended strategy is very diversified in order to reduce the amount of
risk associated with any particular asset or asset class.