DBD Retirement and Financial Services LLC

Item 5 – Fees and Compensation

In addition to the information provided in Item 4 – Advisory Business, this section provides additional
details regarding our firm’s services along with descriptions of each service’s fees and compensation
arrangements. It should be noted that lower fees for comparable service may be available from other
sources. The exact fees and other terms will be outlined in the agreement between you and Signature
Resources.

Asset Management Services

Fees charged for our asset management services are charged based on a percentage of assets under
management, billed in advance (at the start of the billing period) on a quarterly calendar basis and
calculated based on the fair market value of your account as of the last business day of the previous
billing period. Fees are prorated (based on the number of days service is provided during the initial billing
period) for your account opened at any time other than the beginning of the billing period. If asset
management services are commenced in the middle of the billing period, then the prorated fee for that
billing period is based on the value of the Account when services commence and is due immediately and
will be deducted from Account when services commence.

The asset management services continue in effect until terminated by either party (i.e., Signature
Resources or you) by providing written notice of termination to the other party. Any prepaid, unearned
fees will be promptly refunded by Signature Resources to you. Fee refunds will be determined on a pro
rata basis using the number of days services are actually provided during the final period.

Fees charged for our asset management services are negotiable based on the type of client, the
complexity of the client's situation, the composition of the client's account (i.e., equities versus mutual
funds), the potential for additional account deposits, the relationship of the client with the investment
adviser representative, and the total amount of assets under management for the client.

For our asset management services, client will be charged the following annual fee based upon the
amount of assets under management:

        Assets Under Management                                              Annual Fees
        $0 – $1,000,000                                                      0.850%
        $1,000,001 – $2,000,000                                              0.750%
        $2,000,001 and above                                                 0.500%

Signature Resources believes that its annual fee is reasonable in relation to: (1) services provided and (2)
the fees charged by other investment advisers offering similar services/programs. However, our annual
investment advisory fee may be higher than that charged by other investment advisers offering similar

Signature Resources, LLC                            Page 6            Form ADV Part 2A Disclosure Brochure

services/programs. In addition to our compensation, you can also incur charges imposed at the mutual
fund level (e.g., advisory fees and other fund expenses).

The investment advisory fees will be deducted from your account and paid directly to our firm by the
qualified custodian(s) of your account. You will authorize the qualified custodian(s) of your account to
deduct fees from your account and pay such fees directly to our firm. Our firm will send you a billing
statement prior to time that fee deduction instruction is sent to the qualified custodian(s) of your account.
The billing statement will detail the formula used to calculate the fee, the assets under management and
the time period covered. See Item 15 – Custody for more details.

You should review your account statements received from the qualified custodian(s) and verify that
appropriate investment advisory fees are being deducted. The qualified custodian(s) will not verify the
accuracy of the investment advisory fees deducted.

Brokerage commissions and/or transaction ticket fees charged by the qualified custodian are billed
directly to you by the qualified custodian. Signature Resources does not receive any portion of such
commissions or fees from you or the qualified custodian. In addition, you may incur certain charges
imposed by third parties other than Signature Resources in connection with investments made through
your account including, but not limited to, 12(b)-1 fees, short-term redemption fees and charges imposed
by the qualified custodian(s) of your account. Management fees charged by Signature Resources are
separate and distinct from the fees and expenses charged by investment company securities that may be
recommended to you. A description of these fees and expenses are available in each investment
company security’s prospectus.

Item 7 – Types of Clients

Signature Resources generally provides investment advice to the following types of clients:

    •   Individuals
    •   High net worth individuals
    •   Pension and profit-sharing plans
    •   Corporations or business entities other than those listed above

You are required to execute a written agreement with Signature Resources specifying the particular
advisory services in order to establish a client arrangement with Signature Resources.

Signature Resources, LLC                           Page 7            Form ADV Part 2A Disclosure Brochure

Minimum Investment Amounts Required

There are no minimum investment amounts or conditions required for establishing an account managed
by Signature Resources. However, all clients are required to execute an agreement for services in order
to establish a client arrangement with Signature Resources.