Continuity Wealth Management Corp

ITEM 5 – FEES AND COMPENSATION

Investment Management Fees

            Assets Under Management                           Annual Fee
            First $1,000,000                                  1.00%
            Next $1,000,000 - $3,000,000                      0.75%
            $3,000,000 and above                              Negotiable

For purposes of determining value, securities and other instruments traded on a market for which actual
transaction prices are publicly reported are valued at the last reported sale price on the principal market
in which they are traded. In certain circumstances, fees may be negotiable.

The fee includes the time and activities necessary to work with your attorney and/or accountant in
reaching agreement on solutions, as well as assisting them in implementation of all appropriate
documents. We are not responsible for attorney or account fees charged to you as a result of the above
activities.

Compensation for our services will be calculated in accordance with what is set in the clients’ agreement.
We may modify the terms of any agreement by written changes submitted to the client for signature. All
Investment Advisors are required to disclose to their clients that lower fees for comparable services may
be available from other sources.

Continuity Wealth Management investment advisory fees are paid from your account by the custodian
when we submit an invoice to them. The invoice we submit shows the amount of fees, the value of your
assets on which the fees are based, and the specific manner in which the fees are calculated. In addition
to our fees, all fund mutual fund expenses which include internal operating expenses, 12b-1 fees,
redemption fees and similar fees may be charged to client by the mutual fund. Continuity Wealth
Management does not receive 12b-1 fees.

Continuity Wealth Management investment advisory fees are paid quarterly in advance, with payment
due within 10 days from the date of the invoice. Our fee is determined by taking the percentage rate we
charge, times the market value of the account at the end of each calendar quarter divided by the number
of days in the year and multiplied by the number of days in the quarter. The market value is the sum of
the values of all assets in the account, not adjusted by any margin debit. Fees for partial quarters at the
commencement or termination of our agreement will be billed or refunded on a pro-rated basis
contingent on the number of days the account was open during the quarter.

Orion Custom Indexing Program Fees
The sub-advisor fees charged for the Orion Custom Indexing Program are 15bps per year. Orion will
deduct its fee from the client’s account quarterly in arrears based on the average daily balance during
the quarter. For accounts opened or closed mid-billing period, fees will be prorated based on the days
services are provided during the given period.

Financial Planning Fees
Our financial planning services are typically rendered in conjunction with investment portfolio
management services and are therefore included in the percentage of assets under management fee. We
do not offer financial planning as a standalone fixed-fee service.

Termination
Either Continuity Wealth Management or our clients can terminate our agreement upon receipt of
written notice to the other party, to include written agreement to changes by the client. Additionally,
the client has the right to terminate the contact without penalty within five (5) business days after
entering into the contract.

When an agreement is terminated, we will refund any pre-paid, unearned fees based on the number of
days remaining in the quarter after termination. Refunds will be made within 30 calendar days of the
effective date of termination.

When an agreement is terminated, all assets may need to be transferred from the current custodian.
You will be responsible for paying all additional fees including full quarterly custodial administrative
fees, account closure fees, mutual fund fees (including 12b-1 fees) and all trading costs due to the
termination. The Custodian may assess additional fees for the transfer of illiquid investments. If there is
insufficient cash in the account, the liquidation of some securities may be used to pay the fees. Prior to
termination of an agreement, we can provide a good faith estimate of these fees.

Third Party Fees
Custodians may charge transaction fees on purchases or sales of securities. These transaction charges
are usually small and incidental to the purchase or sale of a security. All brokerage commissions
(including 12b-1 fees), stock transfer fees, and other similar charges incurred in connection with
transactions for the account will be paid out of the assets in the account and are in addition to the
investment management fees paid to us. In addition to statements sent by us, you will receive
statements directly from these brokers, custodians or mutual funds or other investments you hold. We
strongly urge you to compare these statements for accuracy.

As part of our investment management services to you, we may recommend that you invest in mutual
funds and exchange traded funds. The fees that you pay to our Firm for investment management
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds to their shareholders (as described in each fund's prospectus). These fees will generally
include a management fee and other fund expenses. We do not share in any portion of these fees or
expenses.

ITEM 7 – TYPES OF CLIENTS

Continuity Wealth Management generally provides asset management and financial planning services to
the following types of clients:
    •   Individuals
    •   High-Net-Worth Individuals
    •   Pension and Profit-Sharing Plans
    •   Trusts
    •   Estates
    •   Charitable Organizations
    •   Corporations

Minimum Account Size
Continuity Wealth Management has an account minimum of $100,000.00. However, in certain
conditions, we may decide to accept clients with smaller portfolios.