Altius Financial Inc

ITEM 5 - FEES AND COMPENSATION

INVESTMENT MANAGEMENT FEES AND COMPENSATION
ALTIUS charges a fee as compensation for providing Investment Management services on your account.
These services include advisory and consulting services, trade entry, investment supervision, and other
account maintenance activities. We do not charge fees for completing transactions within your account.
However, the custodian may charge custodial fees, transaction costs, redemption fees, retirement plan and
administrative fees or commissions. See Additional Fees and Expenses below.

The fees for accounts are usually based on an annual percentage of assets under management. In limited
cases and at our discretion, ALTIUS may charge a flat fee instead of a percentage of assets under
management. The fees are generally applied to the account asset value on a pro-rated basis, billed quarterly
in advance. The initial fee will be based upon the date the account is accepted for management by execution
of the investment advisory contract by the Firm and the assets are transferred, through the last day of the
current calendar quarter.

Thereafter, the fee will be based on the market value of the account on the last day of the previous calendar
quarter and will cover the period from the first day of the calendar quarter through the last day of the
calendar quarter. Fees are assessed on all assets under management, including securities, cash and money
market balances.

Our maximum investment advisory fee is 2.0% annually, and we have a minimum account size of $500,000.
We retain the right to waive or adjust the minimum account size at our sole discretion. The specific advisory
fees are set forth in your Investment Advisory Agreement. In certain circumstances, our fees and the timing
of the fees may be negotiated. Fees may vary based on the size of the account, complexity of the portfolio,
extent of activity in the account or other reasons agreed upon by us and you as the client.

Advanced billing is done on a quarterly basis based on market value and is the primary way fees are assessed
in advisory accounts.

In our discretion, we may add (aggregate) asset amounts in accounts from your same household together
to determine the advisory fee for all your accounts. We may do this, for example, where we also service
accounts on behalf of your minor children, individual and joint accounts for a spouse, and/or other types of
related and family accounts. This consolidation practice is designed to allow you the benefit of an increased
asset total, which could potentially cause your account(s) to be assessed a reduced advisory fee based on
the asset levels available in our fee schedule.

You may provide written authorization permitting the fees to be paid directly from your account held by
the qualified custodian. The independent qualified custodian holding your funds and securities will debit
your account directly for the advisory fee and pay that fee to us. Further, the qualified custodian agrees
to deliver an account statement at least quarterly directly to you indicating all the amounts deducted from
the account including our advisory fees. You are encouraged to review your account statements for
accuracy. We will have access to your custodian’s statement that was delivered to you.

In limited circumstances, we may bill you directly for our management fee. In this case, the payment is due
upon receipt of the invoice.

Either ALTIUS or you may terminate the management agreement, upon 30 day written notice to the other
party. The management fee will be pro-rated to the date of termination, for the quarter in which the
cancellation notice was given, and any unearned fees will be refunded to you.

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Upon termination, you are responsible for monitoring the securities in your account, and we will have no
further obligation to act or advise with respect to those assets. In the event of client’s death or disability,
ALTIUS Financial will continue management of the account until we are notified of client’s death or disability
and given alternative instructions by an authorized party.

FINANCIAL PLANNING FEES
Your fee for the designated financial advisory services will be determined in one of the following ways:

Fixed Fee: Under a fixed fee arrangement, any fee will be agreed upon by you and your advisor in advance
of services being performed. The fee will be determined based on factors including the complexity of your
financial situation, agreed-upon deliverables, and whether or not you intend to implement any
recommendations through your financial advisor. When ALTIUS is chosen to implement your plan, we may
at our discretion, waive or reduce a portion of our financial planning fees.

The type of fee and -- in the case of a fixed fee -- the amount must be agreed to by you and ALTIUS prior to
the signing of the financial planning agreement. A portion of the fee is payable upon signing the agreement.
We will complete work within six months of the date your fee is paid, in cases where you pay in advance. If
the work is not completed in such a time, we will refund your fee on a pro-rated basis. Fixed fees shall not
exceed $10,000.

Hourly Rate: Under an hourly rate agreement, we will provide consulting, analysis, and any deliverables
agreed upon and our fees will be based on the amount of time we spend providing such services and
deliverables. This includes time spent meeting with you, time we spend researching and analyzing the
agreed upon issues, as well as time we spend documenting or communicating with you about those issues.
This includes Investment Advisor Representative time, in addition to Paraplanner and Administrative
Support staff time.

         Our Hourly Rates are as follows:

                  Investment Advisor - $350/hour
                  Junior Investment Advisor - $250.00/hour
                  Paraplanner - $125/hour
                  Administrative Support - $85/hour
...

ITEM 7 - TYPES OF CLIENTS

We provide investment advice to individuals, high-net-worth individuals, estates, trusts, charitable
organization, foundations, small businesses and institutions. Our clients are generally characterized by
being busy and valuing a collaborative professional relationship. They want to delegate the day-to-day
oversight of their investment portfolio to a trusted adviser. A minimum negotiable amount of $500,000 is
required to open and maintain an account. We may waive account minimums, based on particular
circumstances at our sole discretion.

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