Cote Financial Management LLC

Item 5 Fees and Compensation

Clients pay an annual fee, typically, of 1.0% of portfolio market value for Client assets below $2,500,000
for asset based fees. Fees are negotiable when assets exceed $2,500,000 or when a client is an accredited
investor. All fees are set at the discretion of CFM. The fee will be charged monthly or quarterly in arrears
on the basis of the annual rate applied against end of the month or quarter valuation. An investment
advisory agreement may be terminated on 30 days written notice by either the client or by CFM. If an
advisory agreement is terminated, CFM's compensation shall be determined as though the date of
termination were a quarterly valuations date, and shall be payable on a pro-rata basis for the last quarter
during which CFM had served. Fees may range between .50% and 2.0% of assets under management
depending on asset composition. In addition to CFM’s advisory fee, clients may incur small transaction
costs from our custodian, Charles Schwab.

CFM has the ability to use no-load funds or funds that have minor or no transaction charges. CFM
utilizes the best funds available for the client’s portfolio and receives no commissions or fees from the
mutual funds we select. Mutual Funds 12-b-1 fees per prospectus on all affiliated accounts. In addition,
CFM receives no commissions on any investment recommendations.

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COTE fiNANCIAL MANAGEMENT, LLC

Item 7 Types of Clients

CFM provides advisory services to individuals, trusts, estates, charitable organization, pension and profit
sharing plans and business entities. Typical financial planning clients of CFM are expected to qualify
with a net worth in excess of $500,000. However, at the discretion of the firm, exceptions may be made.