Financial plans are based on financial information you provide to us. We rely on you to verify the accuracy of your information. Certain assumptions may be made with respect to interest and inflation rates and use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance. We cannot offer any guarantees or promises that your financial goals and objectives will be met. As your financial situation, goals, objectives, or needs change, you must notify Nepsis promptly. We also offer consultation services in order to discuss investment, financial market and financial planning issues when you do not need a written financial plan. We also offer “as-needed” consultations, which are limited to consultations in response to a particular investment or financial planning issue raised or request made by you. Under an “as-needed” consultation, it will be incumbent upon you to identify those particular issues for which you are seeking our advice or consultation on. Our financial planning and consulting services do not involve implementing any transaction on your behalf or the active and ongoing monitoring or management of your investments or accounts. You have the sole responsibility for determining whether to implement our financial planning and consulting recommendations. To the extent that you would like to implement any of our investment recommendations through Nepsis or retain Nepsis to actively monitor and manage your investments, you must execute a separate written agreement with Nepsis for our asset management services. Sub-advisory Services We offer sub-advisory services to other investment advisory firms. When doing so, we will provide the other investment advisory firm, or its clients, with investment research or suggested trades. We may have investment discretion for the other advisory firm’s clients. The advice we give to these clients may be similar or identical to the advice we give you. Research Services We offer a variety of research services, including Research & Analysis, Portfolio Analytics, and Speaking Services. Our Research Services are designed for other financial advisors. These services are described below. 1. Research & Analysis that includes macro market commentary

and is distributed in several documents. a. Weekly Market Recap Word document known as “The Spotlight” b. Monthly global topical research Word document known as “The BLOG” c. Quarterly Economic Update PowerPoint known as “Economic Update & Market Outlook” 2. Portfolio Analytics includes the development of mutual fund, variable annuity and ETF model portfolios a. Quarterly written summary in Word document of each fund category, why we have chosen each option, and if any changes are warranted. b. Quarterly Fund Rankings Excel Spreadsheet Stoplight report highlighting the ranking of each fund, the return of each model and how they performed vs. the market c. Morningstar Report of each model and each fund option 3. Speaking Services which includes educational workshops to the public and CE classes for Kaplan University a. Financial Representatives may hire our representatives to speak at client educational workshops b. Kaplan University may hire our representatives to teach Asset Allocation & Beyond to their Continuing Education classes Portfolio Management Fees Typically, asset management fees are deducted from your managed account, and you must provide the custodian holding your assets with written authorization to have the fees deducted and paid directly to us. If required by the client, Nepsis also has the ability to invoice you directly for all asset management fees. At least quarterly, the custodian sends you a statement showing all disbursements from the account, including any advisory fees deducted. The annual fee for portfolio management services is billed quarterly in advance based on the asset value at the end of the previous quarter. The Fee to Client may include compensation paid to the Financial Advisor associated with the account. Fees will be assessed pro rata in the event the portfolio management agreement is executed at any time other than the first day of a calendar quarter We charge accounts a maximum annual advisory fee of 2.50% of the value of assets under management. This fee is negotiable at our discretion. Our services are offered as a wrap fee program. The specific level of services you will receive and the fees you will be charged will be specified in your advisory services agreement.