Description of the Advisory Firm Jones Kertz & Associates, Inc. (JKA) is a federally registered investment advisory firm founded in 1984. The principal owners Brian Kertz and Linda Wilke work in and on the business of the firm every day. JKA provides a Wrap Program (as described below) for clients through Fidelity Brokerage Services LLC (“FBS”). Custody of client assets and execution of securities transactions are provided by an affiliate of FBS, National Financial Services LLC (“NFS”) (collectively “Fidelity”). Types of Advisory Services JKA offers investment advisory services as a Wrap Fee Program which provides the ability to trade in certain investment products without incurring separate brokerage commissions or transaction charges. A wrap fee program is considered any arrangement under which clients receive investment advisory services and the execution of transactions for a fee not based upon transactions in their accounts. The Program includes portfolio management services, custodial services and the execution of securities transactions. Under this program, JKA provides continuous personal service to investors with individualized, ongoing management of their assets. Investment management is provided on either a discretionary or non-discretionary basis, according to the terms of the Investment Management Agreement with each client. When investment management is on a discretionary basis, selection of securities and timing of transactions are completed without prior approval by clients. Fee Schedule & Fee Comparison Wrap Program fees are billed quarterly in advance based on the asset value at the end of the previous quarter. Fees will be prorated when management commences at any time other than the first day of a calendar quarter. JKA’s standard annual fee is based upon a percentage of assets under management and generally range from .5% to 2%. Fees may be prorated for each capital contribution or withdrawal made during the applicable calendar quarter (with the exception of de minimis contributions and withdrawals). The Wrap Program fee will be detailed in the Investment Management Agreement between JKA and the client. These terms are negotiable at JKA’s discretion. JKA also offers Wealth Planning services for clients. JKA generally does not charge a fee for Wealth Planning Services, but reserves the right to assess a fee for such services that are not included in the standard annual Wrap Program fee, depending upon the complexity and circumstances of the client’s needs. 5 Clients may elect to be billed directly for fees or authorize JKA to debit fees from their account(s). Either JKA or the client shall have the right, on giving a 10-day notice to the other,

to terminate this agreement. In the event of such termination, all fees due and accrued as of the end of any particular quarter or interim period shall be paid to JKA at the time of termination or refunded by JKA if paid in advance. Fees that are collected in advance will be refunded based on the prorated amount of work completed (after the 10-day notice period has expired) and the total days during the billing period. Clients may pay lower fees for comparable services from other sources and may pay more or less for JKA’s Wrap Fee Program than purchasing these services separately. The number of transactions made in clients’ accounts, whether or not the broker-dealer actually charges commissions on transactions involving certain securities, as well as the amount of commissions charged for each specific transaction, determines the relative cost of the Program versus paying for execution on a per transaction basis and paying a separate fee for advisory services. The Program fees may also be higher or lower than fees charged by other sponsors of comparable investment advisory programs. Additional Fees or Expenses In addition to the asset-based management fees, clients may pay additional fees or charges which may include, but are not limited to, electronic fund and wire transfer fees; outgoing ACAT transfer fees; charges imposed by custodians, such as fees on non-managed securities; SEC fees on securities trades; other charges mandated by law; and certain fees in connection with the establishment, administration or termination of retirement, profit sharing plans or trust accounts. Client cash balances are invested in money market mutual funds and/or an interest- bearing cash position. Most clients also own some mutual funds and/or exchange-traded funds (“ETFs”), which may charge and deduct operating expenses and management fees from assets. Such charges are described in detail in the prospectus. Our managed account clients incur such fees to the extent their assets are invested in mutual funds or ETFs. Some mutual funds also levy front-end loads (sales charges). Some mutual funds may charge a back-end load if liquidated within a short period of time after purchase. Such fees may be passed on to the client if the liquidation is at the direction of the client. JKA does not mark-up prices of securities sold to clients. Clients wishing to self-direct trades in their account pay the direct costs charged by the custodian and such assets are excluded from the fee basis calculation. 6 Compensation for Recommending the Wrap Fee Program JKA does not have external arrangements in place whereby persons recommending the Program are entitled to receive compensations as a result of clients’ participation.