Dew Point Capital Inc

Item 5 Fees and Compensation

Asset Management Fees
Pursuant to an investment advisory contract signed by each client, the client will pay Dew Point
an annual management fee, payable quarterly in advance, based on the value of portfolio assets of
the account managed by the Advisor as of the opening of business on the first business day of each
quarter. The management fee will range from 0.20% to 1.50% per annum, depending on the type
and complexity of the investment management strategy employed as well as the size of the account
or overall client relationship. The management fee may be adjusted to account for significant

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contributions or withdrawals made to the account during the quarter. New account fees will be
prorated from the inception of the account to the end of the first quarter.

These fees may be negotiated at the discretion of the Advisor. Asset management fees will be
directly deducted from the client account on a quarterly basis by the qualified custodian. The client
will give written authorization permitting the Advisor to be paid directly from their account held
by the custodian. The custodian will send a statement at least quarterly to the client. In
circumstances where it is not practical to deduct fees directly from client accounts, client will be
sent an invoice on a quarterly basis for the advisory fees at the beginning of the quarter and the
invoice is due upon receipt by the client.

Hourly Fee
Some clients will contract to have financial planning advice or special project advice provided
based on an hourly fee rather than based on the assets under management. The Advisors hourly
fee will be billed at a rate of $700 per hour. The Advisors hourly fees will be negotiated and
agreed upon by the parties in advance. Hourly fee-based clients are billed on a monthly basis upon
completion of work performed.

Fixed Fees
Certain clients may engage Dew Point to prepare financial plans, or in the case of not-for-profit
entities, the development of an investment policy statement. Dew Point will charge a fixed fee for
comprehensive financial planning services of between $2,300 and $20,000 per plan depending on
the scope and complexity of the client circumstances, and between $4,000 and $10,000 for the
investment policy statements. Fixed fees may be negotiated in advance at the discretion of the
Advisor. Fixed fee-based clients are billed in advance, and the financial plans and investment
policy statements will be completed and delivered to clients in less than six months from the
commencement of the agreement.

For each of the Advisor's services described above, the Client may terminate these services within
five business days of the effective date of an Agreement signed with the Advisor without any
payment of the Advisor's fee.

Retirement Plan Consulting Fees
Plan Sponsor will pay the Advisor, as compensation for its services, a consulting fee at an annual
rate ranging from 0.25% to 1.50% per annum of assets in the Plan. The consulting fee is payable
quarterly in arrears based on the average daily balance of plan assets during the quarter. The
consulting fee in the first quarter of the Agreement shall be prorated from the inception date to the
end of the quarter. The Advisor shall invoice the Plan Sponsor for the consulting fee. The Plan
Sponsor may, at its election, submit invoices for this consulting fee to the custodian of the Plan's
assets for payment. The Plan Sponsor agrees to payment of these invoices, whether directly from
the Plan Sponsor or from the Plan's custodian, promptly, and, under normal circumstances, by the
end of the month in which the invoice is submitted.

The Plan Sponsor and the Advisor may agree, from time to time, that the Advisor be compensated
for additional non-investment related duties outside the normal scope of this Agreement on an
hourly basis of $700 per hour. In such cases, the additional duties and hourly rate of compensation
shall be agreed to by both parties, in advance, by execution of a separate agreement. Invoices and

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terms of payment, in such cases, will be as expressed in the previous paragraph herein. It is
expected that such additional duties and compensation will solely relate to operational and
compliance needs of the Plan and not relate to investment recommendations.

All fees paid to Dew Point for investment advisory services are separate and distinct from the
expenses charged by mutual funds and ETFs to their shareholders. These fees and expenses are
described in each fund’s and ETF’s prospectus. These fees will generally include a management
fee and other fund expenses.

At no time will Dew Point accept or maintain custody of a client’s funds or securities except for
authorized fee deduction. Client is responsible for all custodial and securities execution fees
charged by the custodian and executing broker-dealer. The Advisor’s fee is separate and distinct
from the custodian and execution fees.

Dew Point’s management fee is payable in advance. Upon termination, any fees paid in advance
will be prorated to the date of termination and any unearned fees will be refunded to client.

Where acting in the capacity of an insurance agent, investment advisory representatives of Dew
Point may as agent effect insurance transactions for typical and customary compensation. Clients
are not obligated to use investment advisor representatives of Dew Point to execute such insurance
transactions.

Item 7 Types of Clients

The Advisor will offer its services to individuals, pension and profit-sharing plans, trusts, estates,
charitable organizations, and corporations or other business entities.

The Advisor does not have any minimum requirements for opening or maintaining an account.