Delta Wealth Management

ITEM 5: FEES AND COMPENSATION
Advisory Fees & Billing Practices
Our fees are calculated as a percentage of assets under management. These fees are billed quarterly in
advance, based on the assets under management as of the last day of the previous calendar quarter. The
first payment is due and payable upon signing of the Agreement, and will be calculated pro-rata in the
event the Agreement is executed other than the first day of a calendar quarter. Our standard fee schedule
is:

                Assets under Management                               Annual Fee

                On the first $5 million                                  0.50%
                Above $5 million                                         0.25%

                Our minimum quarterly fee is $2,500.

Private Foundations and Donor-Advised Funds pay an annual fee of 0.10%. The minimum quarterly fee
applies to these accounts as well.

Family related accounts may be grouped together to take advantage of the higher breakpoints. The
preceding fees are not negotiable.

We require that you provide authorization for us to deduct our fees directly from your investment
account. Important information about the deduction of management fees:

       You must provide authorization for us to deduct fees when signing our contract.

       You will receive a detailed invoice each quarter which outlines our fees and how they are
        calculated at the same time we request payment from the custodian.

       You will receive a statement from your custodian which shows all transactions in your account,
        including the deduction of our fee..

       You are responsible for reviewing the accuracy of the fees being billed, as the custodian will not
        do so.

You may terminate the Agreement, without penalty (no monies due) within five business days of
signature.

After the first five days, if you would like to end our advisory relationship, you may do so by providing
30 days written notice. We will prorate the advisory fees received through the termination date and send
you an invoice for the amount of your fee that is due.

Other Costs Involved
In addition to our advisory fee shown above, you are responsible for paying fees associated with investing
for your account. These fees include:

     management fees for ETFs and mutual funds. These are fees charged by the managers of the ETF
      or mutual fund and are a portion of the expenses of the ETF or mutual fund.

     management fees paid to independent third party advisors to whom we provide referrals.

     brokerage costs and transaction fees for any securities or fixed income trades. These are
      generally charged by your custodian and/or executing broker.

Additional information about brokerage costs and services is provided in “Item 12: Brokerage Practices.”

We believe the fees mentioned above are competitive; however you may be able to obtain similar services
from other sources at a lower price.

ITEM 7: TYPES OF CLIENTS
Our clients are individuals and families, which typically involves trust assets, retirement plans and
charitable foundations. We typically suggest a $2 million balance to initiate a relationship with us.