CornerStone Securities LLC

Item 5: FEES AND COMPENSATION
For IAR Directed Asset Management Services
Clients pay Cornerstone and IARs the asset-based Advisory Fee (“Advisory Fee”) up to 2% of the account
balance for services performed in connection with the program. Clients can negotiate their Advisory Fee
with IARs. The Advisory Fee should not exceed 2% of the account balance. Neither Cornerstone nor IARs
will charge the Advisory Fee based in any manner or respect to capital gains or capital appreciation of assets
in the account.

For the accounts held at Charles Schwab, Cornerstone calculates the Advisory Fee based on the previous
month or quarter ending account value. In other words, the Advisory Fee will be calculated and charged
either monthly or quarterly in advance. On termination, Cornerstone will refund the client for any unused
portion of the Advisory Fee. Termination may be made by Cornerstone or the client with 30 days’ written
notice.

If clients execute the advisory agreement at any time other than on the first day of a calendar month
or quarter, Cornerstone will calculate and charge the client for a pro-rated initial Advisory fee. In other
words, the initial payment will be pro-rated if this agreement is executed at any time other than on the first
day of a calendar month or quarter. The custodian will deduct the client’s fee(s) from their account at the
agreed upon rate unless client and Cornerstone agree to bill the client directly.

In addition to the Advisory Fee, clients may pay other charges or fees, such as:

    •   Ticket charges
    •   Mutual fund distribution fees
    •   IRA or qualified retirement plan fees
    •   Custodian fees
    •   Contingent deferred sales charge
    •   Account closing fees
    •   Annual maintenance fees

For any charges associated with maintaining the account with a specific custodian, refer to the document
provided by such entity prior to or at the time the account was opened.
Selection of Advisory Programs or Services Offered by Third-party Investment Advisory And/or REITs
Under this arrangement, clients pay third-party investment advisers and/or REITs, program fees including
advisory and other fees, as disclosed in the advisory agreement or disclosure document (also known as
Brochure) or prospectus, for services performed in connection with the third-party investment adviser’s
products or services. Cornerstone and its IARs receive referral fees from the third-party investment adviser.
Clients must also acknowledge such compensation arrangement by signing the third-party investment
advisor’s account opening documents. REIT transactions are done at NAV, in other words no commissions
are paid.
Financial Planning or Consulting Services
The IAR and the client will negotiate fees. In general, fees may be charged on an hourly basis up to $500
an hour or on a flat-fee up to $10,000. These are based on competitive market conditions in corresponding
geographical areas. The amount of time to complete a plan is determined by the client’s goals, but under
no circumstance shall it exceed 25 hours. In the event of a flat or fixed fee, the adviser and
client will come to an agreement in writing and signed by both adviser and client. This written agreement

Cornerstone Securities LLC                                                                               2026

will detail exactly what services the client will receive for said fee. Generally, half the fee is payable upon
signing of the agreement and the balance upon delivery of the services specified in the agreement.
Client will not pay more than $500 in advance. If the client implements the plan with the adviser, the
planning fee will be waived if the adviser is compensated during implementation of the plan. However, the
client has the option to implement with an adviser or agent not affiliated with the firm. In this event the
planning fee will not be waived. Clients may terminate the arrangement without penalty within five
(5) business days from the signing of the agreement unless the client has received the firm’s disclosure
brochure at least 48 hours prior to signing the investment advisory contract.

Cornerstone Securities LLC                                                                             2026

Item 7: TYPES OF CLIENTS
Cornerstone provides its advisory services to individuals, high net worth individuals, private
corporations, trusts, estates, and pension plans. There are no minimums or requirements imposed on
accounts by Cornerstone Securities.

Cornerstone Securities LLC                                                                               2026