Bluestone Wealth Management LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by
Bluestone. Each Client engaging Bluestone for services described herein shall be required to enter into a wealth
management agreement with Bluestone.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly in advance, pursuant to the terms of the wealth management
agreement. Wealth management fees are based on the market value of assets under management at the end of the
                                          Bluestone Wealth Management LLC
                                           67 Winter Street, Keene, NH 03431
                                                 Phone: (603) 499-4737
   Page 5                                       www.bluestonenh.com

prior calendar quarter. Wealth management fees charged by Bluestone range up to 1.00% annually based on several
factors, including the complexity of the services to be provided, the level of assets to be managed, and the overall
relationship with Bluestone. Relationships with multiple objectives, specific reporting requirements, portfolio
restrictions, and other complexities may be charged a higher fee. Certain Clients may pay fixed fees not to exceed
1.00% of assets under management.

Fees may be negotiable at the sole discretion of Bluestone. The Client’s fees will take into consideration the
aggregate assets under management with Bluestone. All securities held in accounts managed by Bluestone will be
independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to
ensure accurate billing.

Bluestone’s fee is exclusive of, and in addition to, any applicable securities transaction and custody fees and other
related costs and expenses described in Item 5.C. below, which may be incurred by the Client. However, Bluestone
shall not receive any portion of these commissions, fees, and costs.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by Bluestone and deducted from the Client’s account[s] at the Custodian.
Bluestone shall upload the fees calculated to the Custodian’s platform indicating the amount of the fees to be
deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by
applying the quarterly rate (annual rate divided by 4) to the total assets under management with Bluestone at the
end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting
the deduction of the wealth management fee. It is the responsibility of the Client to verify the accuracy of these fees
as listed on the Custodian’s brokerage statement, as the Custodian does not assume this responsibility. Clients
provide written authorization permitting advisory fees to be deducted by Bluestone directly from their account[s] held
by the Custodian as part of the wealth management agreement and separate account forms provided by the
Custodian.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties other than Bluestone in connection with
investments made on behalf of the Client’s account[s]. The Client is responsible for all securities execution and
custody fees charged by the Custodian, if applicable. The fees charged by Bluestone are separate and distinct
from these custody and execution fees.

In addition, all fees paid to Bluestone for wealth management services are separate and distinct from the expenses
charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described
in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds,
other fund expenses, account administration (e.g., custody, brokerage, and account reporting), and a possible
distribution fee. A Client may be able to invest in certain products directly, without the services of Bluestone, but
would not receive the services provided by Bluestone, which are designed, among other things, to assist the Client
in determining which products or services are most appropriate for each Client’s financial situation and objectives.
Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Bluestone to
fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information.

D. Advance Payment of Fees and Termination
Wealth Management Services
Bluestone is compensated for its wealth management services in advance of the quarter in which services are
rendered. Either party may terminate the wealth management agreement, at any time, by providing advance written
notice to the other party. The Client may also terminate the wealth management agreement within five (5) business
days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges
for bona fide advisory services rendered to the point of termination, and such fees will be due and payable by the
Client. Bluestone will refund any unearned, prepaid wealth management fees from the effective date of termination
to the end of the quarter. The Client’s wealth management agreement with Bluestone is non-transferable without the
Client’s prior consent.

E. Compensation for Sales of Securities

                                            Bluestone Wealth Management LLC
                                             67 Winter Street, Keene, NH 03431
                                                   Phone: (603) 499-4737
   Page 6                                         www.bluestonenh.com

Bluestone does not buy or sell securities and does not receive any compensation for securities transactions in
any Client account other than the wealth management fees noted above.

Item 7 – Types of Clients

Bluestone offers wealth management services to individuals, high-net-worth individuals, trusts, estates, and
charitable organizations. Bluestone generally requires a minimum relationship size of $2,500,000 to effectively
implement its investment process, which may be reduced at the sole discretion of Bluestone.