Capital Consulting & Asset Management Inc

Item 5 - FEES AND COMPENSATION

Financial Planning and Consulting Services Fees
CCAM’s fees for financial planning services, which are separate from its fees for investment
management services, are calculated at an hourly rate of $200-$400 per hour and may be negotiable
depending upon the level and scope of the service(s) required and the professional(s) rendering the
service(s).

Financial planning fees cover solely financial planning services. Therefore, you may pay fees and/or
commissions for additional services obtained such as investment management, execution & custody

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or for investment and/or insurance products.

Unless otherwise specified in the Client’s plan, each separate service provided by CCAM is subject
to a separate fee (e.g., investment management services are subject to investment management fees,
financial planning services are subject to financial planning fees, etc.). In some cases, a Client’s
plan may include estate planning and tax consulting services as part of CCAM’s financial planning
services covered by the financial planning fee. Also, in some cases, a Client’s plan may call for
CCAM to charge only it investment management fee to cover investment management services as
well as financial planning, estate planning and tax consulting services.

All fee arrangements are subject to negotiation, and in general, fees are due upon delivery of the
Client’s plan. CCAM does not require prepayment of more than $1,200 more than 6 months in
advance.

Financial planning fees will generally be deducted directly from your account, provided you have
given CCAM written authorization. You will be provided with an account statement reflecting the
deduction of the financial planning fee direct from the account custodian. If the Account does not
contain sufficient funds to pay financial planning fees, CCAM has limited authority to sell or
redeem securities in sufficient amounts to pay financial planning fees. You may reimburse the
account for financial planning fees paid to CCAM, except for ERISA and IRA accounts.
Alternatively, you may write a check in the amount of the financial planning fee, payable to CCAM.

Insurance Fees and Commissions
CCAM from time to time may place assets into guaranteed interest contracts or Single Premium
Deferred Annuities, life, disability or long-term care insurance with major insurance companies.
If CCAM receives a fee or commission directly from the insurance company, the commission will
not be charged to you directly but paid directly to CCAM by the insurance company separate from
CCAM’s stated investment management fee or financial planning fee for the client.

Investment Management Fees
Investment Management fees are negotiable based upon the total market value of the client and/or
Plan assets, the complexity of the Plan, the number of participants, other relationships CCAM has
with the client and/or Plan provider or trustees, the level of service to be provided to the client
and/or Plan, the geographical location(s) of client and/or the Plan and number of office locations
of the Plan sponsor and Plan participants. Clients referred to CCAM will receive a flat rate of 1%
up to and including $1MM of assets under management and a flat fee of 0.90% on assets over
$1MM of assets under management.

CCAM reserves the right to amend fee schedules upon 30-days prior written notice to you.

Advisory fees will generally be deducted directly from your account, provided you have given
CCAM written authorization. You will be provided with an account statement reflecting the
deduction of the advisory fee direct from the account custodian. If the Account does not contain
sufficient funds to pay advisory fees, CCAM has limited authority to sell or redeem securities in
sufficient amounts to pay advisory fees. You may reimburse the account for advisory fees paid to
CCAM, except for ERISA and IRA accounts. Alternatively, for tax purposes, clients may write a
check in the amount of the advisory fee, payable to CCAM.

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In the event your account is opened after the first day of the calendar quarter, the fees for that
quarter are prorated to the number of days left in the quarter and are calculated based on CCAM's
appraisal of the market value of the portfolio on the effective date of your account. Subsequent fees
are determined for calendar quarter periods and will be equal to one fourth of the annualized fee.
Additional prorated fees are assessed on the value of cash or securities added to an account.

The annual fees are based on a percentage of assets under management as follows:

                       Account Size                            Annual Fee
        Up to $150,000                                           1.50%
        Next $150,000 to $250,000                                1.25%
        Next $250,000 to $500,000                                1.15%
        Next $500,000 to $1,000,000                              1.00%
        Over $1,000,000                                          0.90%

Clients will be invoiced in advance (as shown on the custodian statement) at the beginning of
each calendar quarter based upon the average of the month end values (market value or fair
market value in the absence of market value, plus any credit balance or minus any debit
balance), of your account during the previous quarter.

Third-party Management Fees
CCAM may select independent money managers to manage Client portfolios with assets under
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Item 7 - TYPES OF CLIENTS
CCAM’s services are geared more toward individuals both high net worth (i.e. clients with a net
worth of $1,500,000) and other than high net worth individuals, banking or thrift institutions,
pension and profit-sharing plans (other than plan participants), charitable organizations,
corporations or other businesses and state or municipal government entities. There are no
minimum investment amounts or conditions required for establishing an account managed by us.