Westmark Wealth Management LLC

Item 5 Fees and Compensation

Investment Advisory Fees
As described above, the third-party manager will charge an asset-based investment advisory fee
and will add Westmark Wealth Management’s investment advisory fee will deduct the overall fees
from the client account quarterly in advance. Pursuant to an investment advisory contract signed
by each client with Westmark Wealth Management, the client will pay Westmark Wealth
Management an annual management fee, payable quarterly in advance, based on the value of
portfolio assets of the account managed by the Advisor as of the opening of business on the first
business day of each quarter. New account fees will be prorated from the inception of the account
to the end of the first quarter.

Assets Under Management:                Annual Fee:
First $500,000                          1.25 %
$500,001 – $2 million                   1.00 %
$2,000,001 – $5 million                 0.85 %
$5,000,001 – $10 million                0.65 %
Over $10 million                        0.50%

Fees will be calculated on a breakpoint schedule and may be negotiated at the sole discretion of
the Advisor. Asset management fees will be directly deducted from the client account on a
quarterly basis by the qualified custodian. The client will give written authorization permitting
the Advisor to be paid directly from their account held by the custodian. The custodian will send
a statement at least quarterly to the client.

Investment Consulting Fees
Pursuant to an Investment Consulting Agreement signed by each client, the client will pay
Westmark Wealth Management a one-time fixed fee ranging up to 0.75% of the investment
principal. Westmark Wealth Management’s consulting fee may be negotiated by the Advisor at
its sole discretion and will be based on the time and effort required to research the investment
opportunity and issuer, assist the client with completing administrative tasks, and oversight of the
transfer of client funds. The Advisor’s fee is payable in advance, either prior to or at the time of
the funds transfer. The Advisor will send the client an invoice and the invoice is payable upon
receipt.

Qualified Retirement Plan Consulting Fees
Plan Sponsor will pay the Advisor, as compensation for its services, an annual consulting fee
ranging up to 1.25% of assets in the Plan, including the value of any outstanding loans from the
Plan to Participants. Fees are negotiable and the Plan Sponsor and Advisor may agree to a
minimum annual fee and/or a maximum annual fee. The annual consulting fee will be based on
the size of the Plan, number of participants, and scope and complexity of services to be provided.
The consulting fee is payable monthly or quarterly, in advance or arrears. Fees payable in advance
will be based on the fair market value of assets in the Plan at the beginning of each billing period.
Fees payable in arrears will be based on the fair market value of assets in the Plan at the end of
each billing period. The consulting fee in the first month/quarter of the Agreement shall be
prorated from the inception date to the end of the billing period. The Advisor shall invoice the
Plan Sponsor for the consulting fee. The Plan Sponsor may, at its election, submit invoices for
this consulting fee to the custodian of the Plan's assets for payment. The Plan Sponsor agrees to
payment of these invoices, whether directly from the Plan Sponsor or from the Plan's custodian,
promptly, and, under normal circumstances, by the end of the month in which the invoice is
submitted.

All fees paid to Westmark Wealth Management for investment advisory services are separate and
distinct from the expenses charged by mutual funds to their shareholders and the product sponsor
in the case of variable insurance products. These fees and expenses are described in each fund’s
or variable product’s prospectus. These fees will generally include a management fee and other
fund expenses. Client is responsible for all custodial and securities execution fees charged by the
custodian and executing broker-dealer. The Advisor’s fee is separate and distinct from the
custodian and execution fees.

At no time will Westmark Wealth Management accept or maintain custody of a client’s funds or
securities except for authorized fee deduction.

Westmark Wealth Management’s investment advisory fees are payable in advance. Upon
termination, any fees paid in advance will be prorated to the date of termination and any unearned
fees will be refunded to client.

Where acting in the capacity of an insurance agent, investment advisor representatives of
Westmark Wealth Management may as broker or agent effect insurance transactions for typical

and customary compensation. This practice presents a conflict of interest by creating an incentive
to recommend investment products based on the compensation received, rather than on a client’s
needs. Clients are not obligated to use investment advisor representatives of Westmark Wealth
Management to execute such securities transactions. However, in such instances, there is no
advisory fee associated with these insurance products, and clients will be made aware of all
commissions associated with the products prior to the transactions.

A client may be able to directly invest in products recommended by the firm directly, without the
services of Westmark Wealth Management. In that case, the client would not receive the services
provided by Westmark Wealth Management which are designed, among other things, to assist the
client in determining which products or services are most appropriate to each client’s financial
condition and objectives.

Item 7 Types of Clients

The Advisor will offer its services to individuals, high-net worth individuals, pension and profit
sharing plans, trusts, estates, or charitable organizations, and corporations or other business
entities.

The Advisor does not have any minimum requirements for opening or maintaining an account.