Redwood Coast Financial Partners (hereinafter “RCFP ”) offers the following services to advisory clients: A. Description of Services RCFP participates in and sponsors a wrap fee program, which allows RCFP to manage client accounts for a single fee that includes both portfolio management services and brokerage costs. The fee schedule is set forth below: Total Assets Under Management Annual Fee $0 - $250,000 2.00% $250,001 - $1,000,000 1.50% $1,000,001 - And Up 1.00% These fees are generally negotiable and the final fee schedule will be memorialized in the client’s advisory agreement. Lower fees for comparable services may be available from other sources. Portfolio management fees are withdrawn directly from the client’s accounts with client’s written authorization on a quarterly basis in advance. The advisory fee is calculated using the value of the assets on the last business day of the prior billing period. Refunds for any fees paid in advance but not yet earned will be refunded on a prorated basis and returned within fourteen days to the client via check or return deposit back into the client’s account. For all asset-based fees paid in advance, the fee refunded will be equal to the balance of the fees collected in advance minus the daily rate* times the number of days elapsed in the billing period up to and including the day of termination. (*The daily rate is calculated by dividing the annual asset-based fee rate by 365.) Clients may terminate the agreement without penalty, for full refund of RCFP ’s fees, within five business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract generally with 30 days written notice. B. Contribution Cost Factors The program may cost the client more or less than purchasing such services separately. There

are several factors that bear upon the relative cost of the program, including the trading activity in the client’s account, the adviser’s ability to aggregate trades, and the cost of the services if provided separately (which in turn depends on the prices and specific services offered by different providers). C. Additional Fees RCFP will wrap third party fees (i.e., custodian fees, brokerage fees, mutual fund fees, transaction fees, etc.) for wrap fee portfolio management accounts. RCFP will charge clients one fee, and pay all transaction fees using the fee collected from the client. Accounts participating in the wrap fee program are not charged higher advisory fees based on trading activity, but clients should be aware that RCFP has an incentive to limit trading activities for those accounts since the firm absorbs those transaction costs. Certain other fees are not included in the wrap fee and are paid for separately by the client. These include, but are not limited to, margin costs, charges imposed directly by a mutual fund or exchange traded fund, fees associated with “step out” transactions if the account uses different custodians or broker-dealers, 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. D. Compensation of Client Participation Neither RCFP , nor any representatives of RCFP receive any additional compensation beyond advisory fees for the participation of client’s in the wrap fee program. However, compensation received may be more than what would have been received if client paid separately for investment advice, brokerage, and other services. Therefore, RCFP may have a financial incentive to recommend the wrap fee program to clients.