Cadia Private Client LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more
written agreements with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are based on the market value of assets under management at the end of the prior calendar
quarter. Wealth management fees are based on the following blended tiered schedule:

                              Assets Under Management ($)                  Annual Rate (%)
                                      $0 to $2,000,000                           1.00%
                                     $2,000,001 and over                         0.65%

Wealth management fees are billed quarterly in advance pursuant to the terms of the wealth management agreement.
The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. All securities held in accounts
managed by Cadia Private will be independently valued by the Custodian.

Wealth management fees shall include discretionary investment advisory services, financial planning and consulting
services. In the rare event that the Client requires extraordinary planning and/or consultation services (to be determined
by the sole discretion of the Advisor), the Advisor will offer standalone financial planning and consulting services
(which may include non-investment related matters). The Client will be required to enter into a written agreement with
the Advisor setting forth the terms and conditions of the engagement and describing the scope of the services to be
provided. The Advisor will charge a fixed fee for these services ranging from $10,000 to $150,000 per engagement.

                                                   Cadia Private Client, LLC
                                        1 Gatehall Drive, Suite 307, Parsippany, NJ 07054
                                           | 973-993-6300 | www.CadiaPrivate.com

Use of Independent Managers
As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. In certain cases, the Independent Manager or Cadia Private may calculate and deduct fees
directly from the Client’s account. To eliminate any conflict of interest, the Advisor does not earn any compensation from
an Independent Manager. The Advisor will only earn its wealth management fee as described above.

Retirement Plan Advisory Services
Retirement plan advisory fees are charged an annual asset-based fee of up to 1.00%. Fees may be billed monthly
or quarterly (“Billing Period”) in advance or arrears pursuant to the terms of the retirement plan advisory agreement.
Retirement plan fees are based on the market value of assets under management at the end of the Billing Period.
Fees may be negotiable depending on the size and complexity of the Plan but shall not exceed the fee range stated
above.

B. Fee Billing
Wealth Management Services
Wealth Management fees are deducted from the Client’s accounts at the Custodian pursuant to written authorization as
part of the investment advisory agreement and separate account forms provided by the Custodian. Clients receive
statements from the custodian showing the deduction of advisory fees.

Use of Independent Managers
In certain instances, the Independent Manager or the Advisor may assume responsibility for calculating the Client’s
fees and deduct all fees from the Client’s account[s]. To eliminate any conflict of interest, the Advisor does not earn
any compensation from an Independent Manager. The Advisor will only earn its wealth management fee as described
above.

Financial Planning Services
Financial planning fees that fall out of the scope of the Advisor’s wealth management services will be invoiced as
agreed upon in writing with the Client. Fee schedules may include a portion due at signing and the remainder upon
completion of deliverables or as otherwise agreed.

Retirement Plan Advisory Services
Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan,
depending on the terms of the retirement plan advisory agreement.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Cadia Private, in connection with
investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities
execution fees charged by the Custodian, as applicable. The fees charged by Cadia Private are separate and distinct
from these custody and execution fees. Also, Clients will pay the following separately incurred expenses, which we
do not receive any part of: charges imposed directly by a mutual fund, index fund, or exchange traded fund which
shall be disclosed in the fund’s prospectus (i.e., fund management fees).

D. Advance Payment of Fees and Termination
Wealth Management Services
Cadia Private may be 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.
Upon termination, the Advisor 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 the Advisor is non-transferable
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Item 7 – Types of Clients

Cadia Private offers investment advisory services to individuals, families, trusts, estates, charitable organizations,
pension and profit-sharing plans, and businesses. Cadia Private does not impose requirements for opening and
maintaining accounts or otherwise engaging us.