TABR Capital Management LLC

Item 5. Fees and Compensation

         TABR offers its services on a fee basis, which include fixed fees, as well as fees based upon assets under
         management.

         Financial Planning and Consulting Fees

         TABR charges a fixed fee for financial planning and consulting services. These fees are negotiable, but
         generally range from $3,000 to $4,500 on a fixed fee basis, depending upon the level and scope of the
         services and the professional rendering the financial planning and/or the consulting services. If the client
         engages TABR for additional investment advisory services, TABR may offset all or a portion of its fees for
         those services based upon the amount paid for the financial planning and/or consulting services.

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         TABR Capital Management, LLC                                                    Disclosure Brochure

         Prior to engaging TABR to provide financial planning and/or consulting services, the client is required to
         enter into a written agreement with TABR setting forth the terms and conditions of the engagement.
         Generally, TABR requires one-half of the financial planning or consulting fee payable upon entering the
         written agreement. The balance is generally due upon delivery of the financial plan or completion of the
         agreed upon services.

         Investment Management Fee

         TABR provides investment management services for an annual fee based upon a percentage of the market
         value of the assets being managed by TABR. TABR’s annual fee is exclusive of, and in addition to
         brokerage commissions, transaction fees, and other related costs and expenses which are incurred by the
         client. TABR does not, however, receive any portion of these commissions, fees, and costs. TABR’s
         annual fee is prorated and charged quarterly, in arrears, based upon the market value of the assets being
         managed by TABR on the last day of the previous quarter. For certain 529 plans, the firm may bill their fee
         annually in arrears based on the market value of the assets on the last day of the prior year.

         The annual fee varies (between 0.95% and 1.25%) depending upon the market value of the assets under
         management, as follows:

                                 PORTFOLIO VALUE                                   BASE FEE

                                 up to $1,000,000                                         1.25%
                                 $1,000,001 - $3,000,000                                  1.15%
                                 above $3,000,000                                         0.95%

         TABR, in its sole discretion, may negotiate to charge a lesser management fee based upon certain criteria
         (i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
         managed, related accounts, account composition, pre-existing client, account retention, pro bono activities,
         etc.).

         TABR applies its investment management fee to all assets the Firm manages on a regular and continuous
         basis. These assets will include cash and cash equivalents. Under some market conditions, the Firm’s
         annual fee will exceed returns on cash and cash equivalents. TABR has procedures in place to ensure that
         cash balances in client accounts are in the best interest of the client and meet at least one of the following
         investment objectives: (1) having an allocation to cash as an asset class; (2) facilitating transaction
         execution; (3) having available funds to pay the fees charged to the account; (4) providing for asset
         protection and / or optionality during periods of volatile market conditions.

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         TABR Capital Management, LLC                                                Disclosure Brochure

         Fees Charged by Financial Institutions

         As further discussed in response to Item 12 (below), TABR generally recommends that clients utilize the
         brokerage and clearing services of Fidelity Institutional Wealth Services (“Fidelity”) for investment
         management accounts.

         TABR may only implement its investment management recommendations after the client has arranged for
         and furnished TABR with all information and authorization regarding accounts with appropriate financial
         institutions.   Financial institutions include, but are not limited to, Fidelity, any other broker-dealer
         recommended by TABR, broker-dealer directed by the client, trust companies, banks etc. (collectively
         referred to herein as the “Financial Institutions”).

         Clients incur certain charges imposed by the Financial Institutions and other third parties such as custodial
         fees, charges imposed directly by a mutual fund or ETF in the account, which shall be disclosed in the
         fund’s prospectus (e.g., fund management fees and other fund expenses), deferred sales charges, odd-lot
         differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
         accounts and securities transactions. Additionally, for assets outside of any wrap fee programs, clients
         incur brokerage commissions and transaction fees. Such charges, fees and commissions are exclusive of
         and in addition to TABR’s fee.

         TABR’s Agreement and the separate agreement with any Financial Institutions authorizes TABR to debit
         the client’s account for the amount of TABR’s fee and to directly remit that management fee to TABR. Any
...

Item 7. Types of Clients

         TABR provides its services to individuals, pension and profit sharing plans, trusts, estates, charitable
         organizations, corporations and other business entities.

         Minimum Account Size

         As a condition for starting and maintaining a relationship, TABR generally imposes a minimum portfolio size
         of $500,000. TABR, in its sole discretion, may accept clients with smaller portfolios based upon certain
         criteria including anticipated future earning capacity, anticipated future additional assets, dollar amount of
         assets to be managed, related accounts, account composition, pre-existing client, account retention, and
         pro bono activities. TABR shall only accept clients with less than the minimum portfolio size if, in the sole
         opinion of TABR, the smaller portfolio size will not cause a substantial increase of investment risk beyond

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         TABR Capital Management, LLC                                                 Disclosure Brochure

         the client’s identified risk tolerance. TABR may aggregate the portfolios of family members to meet the
         minimum portfolio size.