Cox Capital Management LLC

ITEM 5 – FEES AND COMPENSATION

INVESTMENT MANAGEMENT FEES AND COMPENSATION
Our Firm charges a fee as compensation for providing Investment Management services on your account.
These services include advisory services, trade entry, investment supervision, and other account
maintenance activities. Our Custodians charge transaction costs, custodial fees, redemption fees,
retirement plan and administrative fees or commissions. See Additional Fees and Expenses below for
details.

Our management fee typically varies between 20 and 100 basis points (0.20% - 1.00%). The specific
advisory fees are set forth in your Investment Advisory Agreement with our Firm. Fees may vary based
on the size of the account, complexity of the portfolio, extent of activity in the account, or other reasons
agreed upon by us and you as the client. In certain circumstances, our fees and the timing of the fee
payments may be negotiated. Our employees and their family-related accounts are charged a reduced
fee for our services.

Fees are billed quarterly in arrears based on balance of the account(s) on the last day of the quarter.
Fees are assessed on all assets under management, including securities, cash, and money market

balances. Upon opening the account, cash is not billed until the account is fully invested. New accounts
are billed at the end of the quarter in which assets are transferred based on the quarter end balance.
Other advisers may have higher or lower fees than Cox Capital. Dividends or trade date settlements may
occur, and our third-party billing software may report a slight difference in account valuation at quarter
end compared to what is reported on your Statement from the Custodian.

The independent and qualified custodian holding your funds and securities will debit your account
directly for the advisory fee and pay that fee to us. You will provide written authorization permitting the
fees to be paid directly from your account held by the qualified custodian. Further, the qualified
custodian agrees to deliver an account statement to you at least a quarterly basis indicating all the
amounts deducted from the account including our advisory fees. Client can elect to be directly billed as
an alternative.

Clients will have a period of five (5) business days from the date of signing the agreement to
unconditionally rescind the agreement and receive a full refund of all fees. Thereafter, the client may
terminate the agreement by providing us a 30-day written notice at our principal place of business. Upon
termination of any account, unearned fees will be promptly refunded, and any earned, unpaid fees will
be due and payable.

Upon termination, you are responsible for monitoring the securities in your account, and we will have
no further obligation to act or advise with respect to those assets. In the event of the client’s death or
disability, Cox Capital will continue the management of the account until we are notified of the client’s
death or disability and given alternative instructions by an authorized party. Mutual Funds and ETFs
charge additional fees not included in Cox Capital’s fee.

FINANCIAL PLANNING
Through the financial planning process, our team strives to engage our clients in conversations around
the client’s goals, objectives, priorities, vision, and legacy – both for the near term as well as for future
generations. With the unique goals and circumstances of each client in mind, our team will offer financial
planning ideas and strategies to address the client’s holistic financial picture, including estate, income
tax, charitable, cash flow, wealth transfer, and client legacy objectives. Our team partners with our
client’s other advisors (CPAs, Enrolled Agents, Estate Attorneys, Insurance Brokers, etc.) to ensure a
coordinated effort of all parties toward the client’s stated goals. Such services include various reports
on specific goals and objectives or general investment and/or planning recommendations, guidance to
outside assets, and periodic updates.

Our specific services in preparing your plan may include:

        •   Review and clarification of your financial goals.
        •   Assessment of your overall financial position including cash flow, balance sheet, investment
            strategy, risk management, and estate planning.
        •   Creation of a unique plan for each goal you have, including personal and business real estate,
            education, retirement or financial independence, charitable giving, estate planning, business
            succession, and other personal goals.
        •   Development of a goal-oriented investment plan, with input from various advisors to our
            clients around tax suggestions, asset allocation, expenses, risk, and liquidity factors for each
            goal. This includes IRA and qualified plans, taxable, and trust accounts that require special
            attention.
        •   Design of a risk management plan including risk tolerance, risk avoidance, mitigation, and
            transfer, including liquidity as well as various insurance and possible company benefits; and

        •   Crafting and implementation of, in conjunction with your estate and/or corporate attorneys
            as tax adviser, an estate plan to provide for you and/or your heirs in the event of an
            incapacity or death.

A written evaluation of each client's initial situation or Financial Plan is provided to the client. An annual
review will be provided by the Adviser, if indicated by the Client and Adviser per the Agreement. More
frequent reviews occur but are not necessarily communicated to the client unless immediate changes
are recommended.

CONSULTING FEES
We charge Consulting clients on an hourly basis. While fees vary based on the complexity of the plan or
project and the range of services we are retained to provide, our typical hourly rate ranges between $150
...

ITEM 7 – TYPES OF CLIENTS

Our firm generally provides advisory services to individuals, trusts, estates, and charitable organizations.

We do not impose any minimum account size for portfolio management services. The minimum charge
for consulting services is $150 per engagement.