Vistamark Investments LLC

Item 5: Fees and Compensation
Investment Advisory Fees
Annual advisory fees are due quarterly and payable in arrears. With client authorization, fees can be deducted
from client accounts. Clients also have the option to pay the fees due within 30 days of the end of the previous
quarter by other means. Fees are typically based on a percentage of the market value of assets under
management, including cash and cash equivalents, as of the closing balance on the last business day of the
previous quarter. Unless negotiated otherwise, the annual advisory fee is 1.25%.

                 Assets Under Management                                Annual Advisory Fee
                  Assets Under Management                                        1.25%

If the annual fee is 1.25%, clients will be charged 0.3125% quarterly in arrears. This fee will be directly debited from
the account(s) being managed.

Example: If the account value at the end of the quarter is $1,000,000, that amount will be charged 0.3125%,
resulting in a quarterly fee of $3,125.

Unless negotiated otherwise, this percentage-of-assets structure applies. However, in certain circumstances,
Vistamark Investments may charge fees on a monthly basis, utilize flat-fee pricing, or apply other customized fee
structures as agreed upon with clients.

The Vistamark Investments investment advisory contract can typically be terminated by the client within five (5)
business days of the signing of the investment advisory contract, in which case the client will not be responsible for
advisory fees incurred during that time. Thereafter, investment advisory agreements can typically be terminated by
either party within thirty (30) days after written notice.

Investment Advisory Fee Billing
Unless negotiated otherwise, Vistamark Investments receives written authorization from the client to deduct
advisory fees from an account held by a qualified custodian. Vistamark Investments sends the qualified custodian
an invoice of the amount of the fee to be deducted from the client’s advisory account(s) at the end of each quarter
or billing period. The qualified custodian sends the client a statement, at least quarterly, that reflects the deductions
of the investment advisory fees. Vistamark Investments’ investment advisory fees are billed quarterly, in arrears,
and are based on the quarter-end balance of the accounts managed or, if structured differently, on the balance at
the end of the relevant billing period. Clients will receive an invoice within the first two weeks of the month after the
previous quarter end or billing period. These fees will be directly debited from the account being managed at the end
of each quarter or billing period.

Sub-Advisory Service Fees
For sub‑advisory services, Vistamark Investments is compensated by the Primary Adviser based on a negotiated fee
schedule between the parties. The Firm does not bill or receive fees directly from the underlying clients or investors.
Clients of the Primary Adviser pay advisory fees as disclosed in that adviser’s Form ADV.

Qualified Plan Consulting Fees
Vistamark Investments’ qualified plan and retirement plan 3(21) or 3(38) fiduciary services are negotiated
individually with the plan sponsor, administrator, or named fiduciary. Fee arrangements may vary and can range
between 0.005% and 1.00% of plan assets annually—depending on the size of the plan and services rendered—or
may be structured as a flat fee. Fees may be incorporated within investment options and paid to Vistamark
Investments via the plan custodian, or may be paid directly by the plan sponsor or company.

Qualified and retirement plans may also incur additional expenses imposed by the plan administrator and/or
custodian, which are separate from Vistamark Investments’ advisory fees.

Either party to the qualified plan consulting agreement may terminate the arrangement with written notice in
accordance with the terms of the service agreement. Fees will be prorated for the billing period in which termination
occurs, and any unearned advisory fees will be refunded to the client within thirty (30) days, if applicable.

Vistamark Investments’ fees for 3(21) or 3(38) fiduciary services are negotiated with the plan administrator and are
typically collected through the internal fees and expenses of the plan’s mutual fund investment lineup

Other Fees and Expenses

Vistamark Investments does not charge additional fees other than the fees listed.

Vistamark Investments does not receive or share any additional fees or expenses incurred by clients.

Vistamark Investments’ clients will incur brokerage and other transaction costs by the custodian. Vistamark
Investments does not receive these fees nor does it share in these fees; see Item 12 for additional information.

Item 7: Types of Clients
Vistamark Investments clients can include individuals, high net worth individuals, business entities, trusts,
estates, charitable organizations, and qualified plans. Vistamark Investments does not require an annual
minimum fee or asset level for investment advisory or investment planning services.