Dravo Bay LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each
Client engaging the Advisor for services described herein shall be required to enter into a written agreement with the Advisor.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid quarterly, at the end of each calendar quarter, pursuant to the terms of the investment
advisory agreement. Fees are based on the closing market value of the assets under management in the account[s] and the
end of the quarter based on the following schedule:

                         Assets Under Management                           Maximum Annual Fee (%)
                         Up to $1,000,000                                         1.50%
                         $1,000,001 to $2,000,000                                 1.05%
                         $2,000,001 to $3,000,000                                 0.92%
                         $3,000,001 to $4,000,000                                 0.79%
                         $4,000,001 to $5,000,000                                 0.66%
                         $5,000,001 to $7,500,000                                 0.54%
                         Over $7,500,000                                          0.39%

Please note the tiered fee schedule above is the maximum fee the Advisor may charge. Fees may be negotiable at the sole
discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the
Advisor.

The investment advisory fee in the first quarter of service is prorated from the inception date of the Client’s account[s] to the
end of the first quarter. All securities held in accounts managed by Blue Rock Financial Group will be independently valued
by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuations.

Clients may make additions to and withdrawals from their account[s] at any time, subject to Blue Rock Financial Group’s right
to terminate an account. Additions may be in cash or securities provided that Blue Rock Financial Group reserves the right to
liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw

account assets on notice to Blue Rock Financial Group, subject to the usual and customary securities settlement
procedures. However, Blue Rock Financial Group designs its portfolios as long-term investments and the withdrawal of
assets may impair the achievement of a Client’s investment objectives. Blue Rock Financial Group may consult with its
Clients about the options and ramifications of transferring securities. However, Clients are advised that when transferred
securities are liquidated, they are subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred
sales charge) and/or tax ramifications.

Use of Independent Managers
As noted in Item 4, the Advisor will implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. The Advisor will only earn its investment advisory fee as described above. Independent Managers
typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased
level of assets placed under management with an Independent Manager. The terms of such fee arrangements are
included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The
total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.50% annually.
The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related
costs and expenses described in Item 5.C. below, which may be incurred by the Client. However, the Advisor shall not
receive any portion of these commissions, fees, and costs. For certain Clients, financial planning services are included in
investment advisory fee.

Investment Management Platform
Advisor Guided Platform Services – Advisor Guided platform services fees are paid quarterly, at the end of each calendar
quarter, pursuant to the terms of the investment advisory agreement. Fees are based on the closing market value of the
assets under management in the account[s] and the end of the quarter based on the following schedule:

                           Assets Under Management                              Annual Fee (%)
                           Up to $1,000,000                                        0.20%
                           $1,000,001 to $2,000,000                                0.15%
                           $2,000,001 to $3,000,000                                0.12%
                           $3,000,001 to $4,000,000                                0.08%
                           $4,000,001 to $5,000,000                                0.05%
                           $5,000,001 to $7,500,000                                0.02%
                           Over $7,500,000                                         0.00%

Please note the tiered fee schedule above is the maximum fee the Advisor may charge. Fees may be negotiable at the sole
discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the
Advisor.

Hero Wealth Management – Assets on the Betterment Institutional Platform will be charged the Advisor’s investment
advisory fee of .75% annually, as well as the Betterment Institutional platform fee, collected monthly in arrears. As noted
above in Item 4, the Client’s fee charged by Betterment Institutional includes securities transaction fees for implementing and
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Item 7 – Types of Clients
Blue Rock Financial Group offers advisory services to individuals, high net worth individuals, families, trusts, businesses,
and retirement plans. Blue Rock Financial Group generally does not impose a minimum size for establishing a
relationship. However, certain investments and strategies may require certain minimums for effective implementation.