Alpha Omega Wealth Management LLC

Item 5           Fees and Compensation

   A.
                                    INVESTMENT ADVISORY SERVICES
         Alpha Omega’s negotiable annual investment advisory fee shall be based upon a
         percentage (%) of the market value and type of assets placed under Alpha Omega’s
         management between negotiable and 1.50%.

         However, fees shall vary depending upon various objective and subjective factors, including
         but not limited to: the representative assigned to the account, the amount of assets to be
         invested, the complexity of the engagement, the anticipated number of meetings and
         servicing needs, related accounts, future earning capacity, anticipated future additional
         assets, and negotiations with the client. As a result of these factors, similarly situated clients
         could pay different fees. Furthermore, the services to be provided by Alpha Omega to any
         particular client could be available from other advisers at lower fees, and certain clients may
         have fees which deviate from the range discussed above.

         Before engaging Alpha Omega to provide investment advisory services, clients are
         required to enter into a discretionary or non-discretionary Investment Advisory Agreement,
         setting forth the terms and conditions of the engagement (including termination), which
         describes the fees and services to be provided.

            FINANCIAL PLANNING AND CONSULTING SERVICES FEES (STAND-ALONE)
         Alpha Omega may provide financial planning and/or consulting services (including
         investment and non-investment related matters, including estate planning, insurance
         planning, etc.) on a stand-alone fee basis. Alpha Omega’s planning and consulting fees are
         negotiable, but generally range from $1,000 to $10,000 on a fixed fee basis, and from $150
         to $250 on an hourly rate basis, depending upon the level and scope of the service(s)
         required and the professional(s) rendering the service(s).

                                         FAMILY OFFICE SERVICES
         Alpha Omega may provide specialized services to families who have complex financial
         situations that could involve multiple generations. The fee for these services is negotiated
         and could be included as part of the investment advisory fee as described above or paid on

   a fixed fee stand-alone basis including a fixed dollar and/or fixed percentage, or paid on an
   hourly rate basis depending upon the level and scope and complexity of the service(s)
   required and the professional(s) rendering the service(s).

                              RETIREMENT PLAN CONSULTING
   Alpha Omega provides retirement plan consulting services. Alpha Omega’s consulting fee
   shall be based upon a percentage (%) of the market value of the plan assets that Alpha
   Omega is consulting on but will generally be between negotiable and 0.85%.

B. Clients may elect to have Alpha Omega’s advisory fees deducted from their custodial
   account. Both Alpha Omega's Investment Advisory Agreement and the custodial/clearing
   agreement may authorize the custodian to debit the account for the amount of Alpha
   Omega's investment advisory fee and to directly remit that management fee to Alpha
   Omega in compliance with regulatory procedures.

   In the limited event that Alpha Omega bills the client directly, payment is due upon receipt
   of Alpha Omega’s invoice.

   Alpha Omega shall deduct fees and/or bill clients quarterly in advance, based upon the
   value of the assets on the last business day of the previous quarter.

C. As discussed below, unless the client directs otherwise or an individual client’s
   circumstances require, Alpha Omega shall generally recommend that Charles Schwab &
   Co. (“Schwab”) serve as the broker-dealer/custodian for client investment management
   assets.

   Broker-dealers such as Schwab charge brokerage commissions, transaction, and/or other
   type fees for effecting certain types of securities transactions (i.e., including transaction
   fees for certain mutual funds, and mark-ups and mark-downs charged for fixed income
   transactions, etc.). The types of securities for which transaction fees, commissions, and/or
   other type fees (as well as the amount of those fees) shall differ depending upon the broker-
   dealer/custodian. While certain custodians, including Schwab, generally (with the potential
   exception for large orders) do not currently charge fees on individual equity transactions
   (including ETFs), others do.

   There can be no assurance that Schwab will not change their transaction fee pricing in the
   future.

   Schwab may also assess fees to clients who elect to receive trade confirmations and account
   statements by regular mail rather than electronically.

   Clients will incur, in addition to Alpha Omega’s investment management fee, brokerage
   commissions and/or transaction fees, and, relative to all mutual fund and exchange traded
   fund purchases, charges imposed at the fund level (e.g., management fees and other fund
   expenses).

   In addition to Alpha Omega’s investment management fee, brokerage commissions and/or
   transaction fees, clients will also incur, relative to all mutual fund and exchange traded
   fund purchases, charges imposed at the fund level (e.g., management fees and other fund
   expenses).

         Tradeaway/Prime Broker Fees. Relative to its discretionary investment management
         services, when beneficial to the client, individual fixed income transactions may be
         effected through broker-dealers other than the account custodian, in which event, the client
         generally will incur both the fee (commission, mark-up/mark-down) charged by the
         executing broker-dealer and a separate “tradeaway” and/or prime broker fee charged by
...

Item 7           Types of Clients

         Alpha Omega’s clients shall generally include individuals, business entities, trusts, estates,
         and charitable organizations.