Amicus Financial Advisors LLC

Item 5 – Fees and Compensation
A client may retain Amicus for comprehensive financial planning services, limited financial
planning services, or investment advisory services. Fees are agreed upon in writing prior to
an engagement. Fees may be comprised of fixed, hourly, or asset-based charges depending
upon the needs and preferences of the client. Hourly charges are $250/hour. Asset-based fees
are based on the value of the assets under management, will vary by engagement, and will be
set out in the advisory agreement executed by the client at the time the relationship is
established. The maximum annual advisory fee is 1.5%.

Fees are negotiable in limited circumstances between the advisor and the client. Each advisor
retains the authority to adjust his or her fee-billing schedule so long as the fees are agreed to
in writing prior to an engagement. All fees are payable after services are rendered and within
a reasonable time after the bill is received.

Asset management fees shall be calculated by multiplying 1/12 of the applicable annual
percentage by the amount of assets under management at the end of each calendar month.
Fees for partial months and fees on accounts with withdrawals or contributions shall be
calculated on a pro-rata basis. Accounts initiated or terminated during a calendar month will
be charged a prorated fee. Upon termination of any account, any earned, unpaid fees will be
due and payable.

Each client is expected to authorize Amicus to bill fees to the custodian of the client’s assets
to be paid from the client’s accounts. The client has the option to pay the fees directly to
Amicus if they prefer. The client can terminate the contract at any time by communicating
that desire to anyone working for Amicus in any way.

When the fee is submitted to the custodian, Amicus will send the custodian an invoice with
the amount of fee to be submitted. Each quarter, Amicus will also send the client an invoice,
itemizing the fee.

Notwithstanding the foregoing, asset management fees for accounts held at Pentegra or
Eastern Point Trust Company (“EPT”) shall be calculated independently by Pentegra or EPT.
(Amicus will not send either custodian a monthly calculated fee for payment). Pentegra bills
monthly in arrears and accrue fees daily. EPT bills quarterly in arrears and accrues fees daily.

If the client requests a service that is not covered by the fee for asset management service,
Amicus will inform the client prior to engaging in these services. The clients may then decide

whether to engage Amicus for that service.

Amicus’ fees are exclusive of brokerage commissions, transaction fees, and other related costs
and expenses, which shall be incurred by the client. Clients may incur certain charges imposed
by custodians, brokers, third party investment and other third parties such as fees charged by
managers, custodial fees, 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. Mutual funds and ETFs also charge internal management fees, which are
disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in
addition to Amicus’ fees, and Amicus shall not receive any portion of these commissions,
fees, and costs.

Item 12 further describes the factors that Amicus considers in selecting or recommending
qualified custodians for client transactions and in determining the reasonableness of their
compensation (e.g., commissions).

While all investment products are offered on a fee-only basis, Amicus’ advisors may offer
insurance products to clients to implement our financial planning recommendations.
Commissions are paid on these insurance products. This creates a conflict of interest. Amicus’
advisors must disclose these commissions to all clients.

Clients may purchase insurance products from other sources. The commissions paid for the
sale of insurance products do not affect the calculation of a client’s investment advisory fees.

Financial planning fees are separate and distinct from advisory fees. Financial planning fees
are typically determined based on the hourly rate or the quoted maximum fee. If either Amicus
or the client feels the hourly or estimated rates overstate the reasonable value of the service
provided, the fee may be revised to reflect the value delivered. Fees shall not be revised
upward from the amount quoted or calculated using hourly rates.

Item 7 – Types of Clients
Amicus provides investment advice or financial planning services to individuals, high net
worth individuals, trusts, charitable organizations, pension and profit-sharing plans, and
corporations.