Crystal View Capital LLC

Item 5       Fees and Compensation
                              INVESTMENT SUPERVISORY SERVICES
                            INDIVIDUAL PORTFOLIO MANAGEMENT FEES

The annualized fee for Investment Supervisory Services are charged as a percentage of assets
under management, according to the following schedule:

              Assets Under Management              Annual Fee (%)
              First $2 million                     .90%
              Next $8 million                      .70%
              $10 million or above                 Negotiable

Our fees are billed quarterly, in advance, at the beginning of each calendar or fiscal quarter
based upon the value (market value or fair market value in the absence of market value
including accrued interest), of the client's account at the end of the previous quarter. Fees
will be debited from the account in accordance with the client authorization in the Client
Services Agreement.

Limited Negotiability of Advisory Fees: Although we have established the aforementioned fee
schedules, we retain the discretion to negotiate alternative fees on a client-by-client basis.
Client facts, circumstances and needs are considered in determining the fee schedule. These
include the complexity of the client, assets to be placed under management, anticipated
future additional assets; related accounts; portfolio style, account composition, reports,
among other factors. The specific annual fee schedule is identified in the contract between
the adviser and each client.

We may group certain related client accounts for the purposes of determining the annualized
fee.

Discounts, not generally available to our advisory clients, may be offered to family members
and friends of associated persons of our firm.

                              FINANCIAL ADVICE/CONSULTING FEES

Our Financial Advice/Consulting fee is determined based on the nature of the services being
provided and the complexity of each client’s circumstances. All fees are agreed upon prior to
entering into a contract with any client.

Our Financial Advice/Consulting fees are calculated and charged on an hourly basis, ranging
from $395 to $495 per hour. Although the length of time it will take to provide Financial
Advice or a Consultation will depend on each client's personal situation, we will provide an
estimate for the total hours at the start of the advisory relationship. The client is billed upon
completion of the financial advice or consultation provided based on actual hours accrued.

Fee Offset: We reserve the discretion to reduce or waive the hourly fee if a client chooses to
engage us for our Portfolio Management Services.

                                    GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be canceled at any time, by
either party, for any reason upon receipt of written notice. As disclosed above, certain fees
are paid in advance of services provided. Upon termination of any account, any prepaid,
unearned fees will be refunded. In calculating a client’s reimbursement of fees, we will pro
rate the reimbursement according to the number of days remaining in the billing period.

Mutual Fund Fees: All fees paid to RCCM for investment advisory services are separate and
distinct from the fees and expenses charged by mutual funds and/or ETFs to their
shareholders. These fees and expenses are described in each fund's prospectus. These fees
will generally include a management fee, other fund expenses, and a possible distribution
fee. If the fund also imposes sales charges, a client may pay an initial or deferred sales
charge. A client could invest in a mutual fund directly, without our services. In that case, the
client would not receive the services provided by our firm which are designed, among other
things, to assist the client in determining which mutual fund or funds are most appropriate to
each client's financial condition and objectives. Accordingly, the client should review both the
fees charged by the funds and our fees to fully understand the total amount of fees to be paid
by the client and to thereby evaluate the advisory services being provided.

Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible for
the fees and expenses charged by custodians and imposed by broker dealers, including, but
not limited to, any transaction charges imposed by a broker dealer with which an
independent investment manager effects transactions for the client's account(s). Please refer
to the "Brokerage Practices" section (Item 12) of this Form ADV for additional information.

Grandfathering of Minimum Account Requirements: Pre-existing advisory clients are subject to
RCCM's minimum account requirements and advisory fees in effect at the time the client
entered into the advisory relationship. Therefore, our firm's minimum account requirements
will differ among clients.

ERISA Accounts: RCCM is deemed to be a fiduciary to advisory clients that are employee
benefit plans or individual retirement accounts (IRAs) pursuant to the Employee Retirement
Income Security Act ("ERISA"), and regulations under the Internal Revenue Code of 1986 (the

"Code"), respectively. As such, our firm is subject to specific duties and obligations under
ERISA and the Internal Revenue Code that include among other things, restrictions concerning
certain forms of compensation. To avoid engaging in prohibited transactions, RCCM may only
charge fees for investment advice about products for which our firm and/or our related
persons do not receive any commissions or 12b-1 fees, or conversely, investment advice about
products for which our firm and/or our related persons receive commissions or 12b-1 fees,
however, only when such fees are used to offset RCCM's advisory fees.

Advisory Fees in General: Clients should note that similar advisory services may (or may not) be
...

Item 7       Types of Clients
RCCM provides advisory services to the following types of clients:

   • Individuals (other than high net worth individuals)
   • High net worth individuals
   • Pension and profit sharing plans(other than plan participants)
   • Charitable organizations
   • Corporations or other businesses not listed above
   • Pooled investment vehicles (other than investment companies)

We have no minimum requirements for clients to open or maintain accounts.