True Wealth Advisory Group LLC

Item 5 Fees and Compensation
In consideration for providing investment consulting services and/or discretionary or non-discretionary investment
management services to its clients (provided through TWAG’s Wrap Program), TWAG charges an investment
consulting fee (“Investment Consulting Fee”) and/or True Wealth Advisory Group Wrap Program Fee (“Wrap Fee”)
which will be based on a percentage of the assets under advisement and/or assets under management. TWAG does
not charge a minimum advisory fee or impose a minimum dollar amount in advisory fees for investors. Certain
investment opportunities may be subject to initial account opening or investment minimums and/or additional capital
commitments or ongoing maintenance minimums. Our Investment Consulting Fee and Wrap Fee are identical, and
follow the annual fee schedule as set forth below:

            Assets Under Management or Advisement                             Annual Fee Percentage

                      $0 – 1,999,999                                                   1.15%
                  $2,000,000 - 4,999,999                                               1.05%
                  $5,000,000 – 9,999,999                                               0.85%
                 $10,000,000 – 14,999,999                                              0.75%
                 $15,000,000 – 24,999,999                                              0.70%
                 $25,000,000 – 49,999,999                                              0.50%
                 $50,000,000 – 99,999,999                                              0.40%
                $100,000,000 – 249,999,999                                             0.35%
                      $250,000,000+                                                    0.30%

Negotiable Fees

Investment Consulting Fees and Wrap Fees are negotiable, depending on individual client circumstances. TWAG,
in its sole discretion, may negotiate to charge a lesser Investment Consulting Fee and/or Wrap Fee based upon
certain criteria, such as anticipated future earning capacity, anticipated future additional assets, dollar amount of
total assets to be managed or consulted on, related accounts, account composition, pre-existing/legacy client
relationship, account retention, and pro bono activities.

Fee Billing

TWAG calculates fees for advisory services rendered during a given calendar quarter in advance based on the
market value of the investor’s assets as of the last day of the previous quarter. Investment Consulting Fees and
Wrap Fees are billed and payable, quarterly in advance, based on the market value of the investor’s assets as of the
last day of the previous quarter. If any assets are added or withdrawn during a billing quarter, TWAG will make
appropriate adjustments to our billing in the next quarter based on the number of days for which we rendered
advisory services with respect to added or withdrawn assets during such quarter.

TWAG will invoice clients for Investment Consulting Fees, and clients will be responsible for paying such
invoices immediately upon receipt. Wrap Fees are deducted directly from clients’ brokerage account assets.
If the Advisory Agreement is executed at any time other than the first day of a calendar quarter in which the client
begins receiving advisory services, the Investment Consulting Fee and/or Wrap Fee will be charged in arrears for
that first quarter and will be prorated for the number of days in which advisory services were rendered during the
quarter. Thereafter, the Investment Consulting Fee and/or Wrap Fee will be billed and payable, quarterly in
advance, as described in the preceding paragraphs.

Account Terminations/Refunds

If an Advisory Agreement is terminated on a day other than the last day of a calendar quarter, TWAG will prorate
its fees for the final calendar quarter of services and charge, or refund, amounts as appropriate.

Combining Related Accounts for Billing Purposes (or “Householding”)

At our discretion, we may combine the asset values of family members related by blood, marriage or civil union in
calculating the fees to be charged. Combining asset values may increase the asset total on which fees are charged,
which may result in your paying a reduced advisory fee rate based on the breakpoints described in the above fee
schedule. However, removal of certain family-related assets could result in the elimination of discounts in
accordance with the fee schedule.

Investment Consulting Fees

TWAG’s Investment Consulting Fees are charged for advisory services rendered to accounts receiving advisory
services from TWAG outside of the Program, as shown in the table above. TWAG may agree to monitor a
consulting client’s account and also provide financial plans to prospective consulting clients at no charge. Separate
and apart from the Investment Consulting Fee to be paid to TWAG, clients will be responsible for expenses
associated with the implementation of TWAG’s recommendations, which could include fees and expenses charged
by broker-dealers, custodians, investment advisers, and other financial institutions and Private Fund Managers.
Such costs could include, without limitation, brokerage commissions mark-ups and mark-downs on fixed-income
transactions, other transaction costs, fees and expenses charged by third-party managers, fees and expenses
attributable to alternative investments, margin and financing costs, charges imposed directly by a mutual fund or
ETF in a client’s account, as disclosed in the fund’s prospectus, deferred sales charges, odd-lot differentials,
transfer taxes, wire transfer and electronic fund fees. Certain client accounts, for which TWAG provides
investment consulting services, may be held at AltoIRA, Gemini, and/or NuView IRA, whereby TWAG has been
granted view-only access to your accounts. Accounts held at these financial institutions shall have certain fees,
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Item 7 Types of Clients
TWAG provides advisory services to the following types of clients:

    •   High-net-worth individuals
    •   Trusts
    •   Individuals (other than high-net-worth individuals)
    •   Corporations or other businesses not listed above.
    •   Managers of Insurance Dedicated Funds (“IDFs”)

In general, we seek client relationships with a minimum of ten million dollars ($10,000,000) in assets to provide
investment consulting and investment management services. At our sole discretion, we provide advisory services to
clients below this minimum account target amount for assets. For example, we may waive the minimum if you
appear to have significant potential for increasing your assets under our advisement. We may also combine account
values for your family members to meet the stated minimum.