BCA Private Wealth Inc

Item 5 Fees and Compensation

Asset Management Fees

Pursuant to an investment advisory contract signed by each client, the client will pay BCA an
advisory fee at the following annual rates:

           Account Value          Advisor Fee        Sub-Advisor Fee            Total Fee
          First $250,000            1.25%                0.40%                   1.65%
          Next $250,000             1.15%                0.25%                   1.40%
          Next $500,000             1.00%                0.10%                   1.10%
          Next $1,000,000           0.85%                0.07%                   0.92%
          Next $3,000,000           0.65%                0.05%                   0.70%
          Over $5,000,000           0.45%                0.03%                   0.48%

 BCA's advisory fee will be monthly in arrears as agreed with the client.

 The advisory fee that is payable monthly in arrears is based on the value of portfolio assets of the
 account managed by BCA as of the close of business on the last business day of each month. The
 advisory fees for the first month shall be prorated from the inception date to the end of the month
 and billed as soon as feasible the month following the account opening.

For purposes of determining the fee tier, the Advisor will include all managed assets in a household
excluding fee-based annuities and cash management services, including the accounts of spouses or
domestic partners and dependent family members living at the same address, or any trusts or
organizational accounts owned by the individual or family. There is a minimum fee of $2,000 per
year, and depending on the value of the accounts managed, the minimum fee expressed as a
percentage of assets managed may exceed the maximum fee of 1.65% noted above, but the minimum
fee will never exceed 3.00% of portfolio assets of the account managed by the Advisor. Ongoing
advisory fees will be directly deducted from the Client Account by the custodian.

For fee-based Variable Annuities that are held directly with the insurance company, the accounts will
be charged a flat fee separately from the above tiered schedule, in arrears on a monthly, quarterly, or
annual basis.

 The Total Fee includes compensation to your advisor for the portfolio management services to
 clients' accounts. The Advisor will pay the sub-advisor directly for its investment advisory
 services and this does not result in any additional cost to the client beyond the Total Fee. The
 Advisor will receive the Total Fee to cover portfolio management whether a sub-advisor is used
 or not. Advisory fees will be directly deducted from the client account by the custodian. The
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client will give written authorization permitting BCA to be paid directly from their account held
by the custodian. The custodian will send a statement to the client at least quarterly.

These fees may be negotiated at the sole discretion of BCA. The fee tier will be based on the assets
managed per client household, and there is a minimum fee of $2,000 per year. Depending on the
value of the accounts managed, if the minimum fee is being charged, the fee expressed on a
percentage basis may exceed the maximum fee of 1.65% noted above but will never exceed 3.00%.

Qualified Retirement Plan Consulting Fees:

Plan Sponsor will pay BCA, as compensation for its services under this Agreement, a consulting
fee at the following annual rates on assets in the Plan including the value of any outstanding loans
from the Plan to Participants, depending on the services provided and the size of the overall
relationship.

                                   Retirement Plan Assets
                              Assets Managed      Annual Fee
                             First $500,000         1.10%
                             Next $500,000          0.90%
                             Next $1,500,000        0.80%
                             Next $2,500,000        0.65%
                             Next $5,000,000        0.50%
                             Over $10,000,000       0.35%

The fee may be negotiated or waived at the discretion of BCA. The consulting fee is payable quarterly,
in arrears, based on the fair market value of assets in the Plan at the end of each quarter. The
consulting fee in the first quarter of the Agreement shall be prorated from the inception date to the
end of the quarter. BCA shall invoice the Plan Sponsor for the consulting fee. The Plan Sponsor
may, at its election, submit invoices for this consulting fee to the custodian of the Plan's assets for
payment. The Plan Sponsor agrees to payment of these invoices, whether directly from the Plan
Sponsor or from the Plan's custodian, promptly, and, under normal circumstances, by the end of
the month in which the invoice is submitted. Fees are negotiable. There will be no pre-payment
of fees.

Hourly Fee
Some clients will contract to have financial planning advice provided based on an hourly fee.
BCA’s hourly fee will be billed at a rate ranging from $125 to $500 based on the complexity and
skill level/experience needed for each client. Hourly fees are invoiced monthly in arrears as
services are provided. The fees are negotiable, and the final fee schedule will be attached as Exhibit
I of the Financial Planning Agreement. Clients may terminate their contracts without penalty
within five business days of signing the advisory contract.

Fixed Fees
BCA will charge a fixed fee for comprehensive financial planning services of up to $30,000 per
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plan based on the complexity of the case (e.g., net worth, income, needs of client, asset level,
family complexity and other issues) as contracted for with client. Fixed fees may be negotiated in
advance at the discretion of BCA and the final fee schedule will be attached as Exhibit I of the
...

Item 7 Types of Clients

BCA will offer its services to individuals, high net worth individuals, trusts, corporations, pensio n
and profit-sharing plans, and broker-dealers.

BCA's cumulative minimum account requirement for opening and maintaining an account is
$350,000. However, BCA may, at its sole discretion, accept accounts with a lower value.