Concord Atlantic Inc

Item 5. Fees and Compensation

    A. Advisory Fees
The annual Advisory and Management fee is charged to the client as a percentage of assets under management according
to the following schedule.
Assets Under Management Equity and Balanced Accounts Fixed Income Accounts

The first $200,000.       1.25%      0.625%

The next $399,000.      1.00%      0.500%

The next $500,000.      0.80%      0.400%

The next $1,000,000. 0.75%         0.375%

The next $3,000,000. 0.60%         0.300%

The next $5,000,000. 0.50%         0.250%

    *Individual accounts valued at less than $100,000 are charged 1.50% per annum for equity and balanced portfolios
    and 0.75% for fixed income portfolios.

    B.   Payment Method
Concord Atlantic is compensated on a fee basis only. The advisory fees are based on the total market value of cash and
securities in the portfolio. Fees are payable in advance on the first day of each quarter and are automatically deducted
from the client's account. Concord Atlantic's managed portfolios are individual accounts. In safeguarding client assets,
Concord Atlantic does not retain custody of securities. Client investment funds are deposited, segregated and insured
with a reputable and financially sound brokerage firm that custodies client assets and executes transactions. The
custodial firm is a member of the New York Stock Exchange (NYSE) and the Securities Investor Protection Corporation
(SIPC). The management fee schedule is not negotiable.

C. Other Fees
Clients may or may not incur other fees from the custodian or mutual fund companies that include transaction fees,
brokerage fees or custodial fees for certain assets. Advisor recommended investments may be made through other
brokers or agents not affiliated with Concord Atlantic.

D. Termination of Services
A client may terminate the investment management agreement by giving written notice to the Advisor thirty days
in advance of the termination date. Advisory and management fees are refunded on a pro-rated basis.

13 MARCH 2026                                             4.

E. Additional Compensation
The Advisor is compensated on a fee-basis only and does not assess any sales charges or commissions and does not
receive any other consideration or service fees from any investment products or services provided.

Item 7. Types of Clients
A.      Concord Atlantic provides investment advice and portfolio management to a diverse client base that includes
individuals, foundations, trusts and corporate pension plans.

B. Engaging the services of Concord Atlantic, Inc.
All clients wishing to engage the services of Concord Atlantic must execute the Investment Management Agreement
which details the terms and conditions in management of the account. In addition, the client must execute the account
application and related documents from the broker-dealer. These documents will open an account and create a
receptacle for the investment funds on deposit.

C. Portfolio Management Services
The Advisor maintains a minimum of $1,000,000. of combined family assets for its advisory and management services.
Concord Atlantic reserves the right to waive this minimum if it so chooses with the understanding that the client will
deposit additional funds at a reasonable point in time to meet the minimum required balance. The Advisor also reserves
its right to waive its management fees.