Dumont & Blake Investment Advisors LLC

FEES AND COMPENSATION

A. Advisory Services and Fees
DBIA bases its fees on a percentage of assets under management and fixed fees. Fees are negotiable.

DBIA charges an annual investment management fee based upon a percentage of the market value of the assets
being managed by DBIA. The investment management fee charged shall vary as follows:

                                       Equity Accounts & Balanced Accounts

                                                   Market Value of Portfolio                % of Assets

                   First                                    $2,000,000                            1.00%

                   Next                                     $3,000,000                            0.75%

                   Over                                     $5,000,000                            0.50%

                                               Fixed Income Accounts

                                                   Market Value of Portfolio                % of Assets

                   First                                    $ 500,000                             0.60%

                   Next                                     $ 500,000                             0.50%

                   Next                                     $2,000,000                            0.45%

                   Next                                     $2,000,000                            0.40%

                   Over                                     $5,000,000                            0.30%

B. Payment of Fees
DBIA will generally require an account minimum of $400,000.00 for asset management services. The annual
investment management fee shall be paid quarterly, in advance, based upon the market value of the assets on the last
day of the previous quarter. However, in its sole discretion, DBIA may accept a lesser account minimum or may
charge a lesser management fee based upon certain criteria (i.e. anticipated future earning capacity, anticipated future
additional assets, dollar amount of assets to be managed, related accounts, account composition, etc.).

Fees are usually deducted from a designated client account to facilitate billing. The client must consent in advance to
direct debiting of their investment account.

     Adjustment Method

For the initial period of an engagement, the fee is calculated on a pro rata basis. If assets are deposited into an account
after the inception of a billing period, the fee payable with respect to such assets is adjusted and billed on a pro rata

basis. In the event the advisory agreement is terminated, the fee for the final billing period is prorated through the
effective date of the termination and the outstanding or unearned portion of the fee is charged or refunded to the client,
as appropriate.

         Householding

For the clients of IAR Marc Luciani, we offer to household related client accounts (e.g., spouses, domestic partners,
or immediate family members living at the same address) for purposes of determining our advisory fee. Householded
accounts are aggregated to reach higher breakpoints in our fee schedule, which may result in lower overall fees than
if the accounts were managed separately. Each account within the household continues to be managed independently
based on its own investment objectives.

C. Additional Expenses and Fees

                                                    OTHER FEES

Charles Schwab and Fidelity Investments charges commission rates which are generally considered discounted from
customary retail commission rates.

The commissions charged by Charles Schwab and Fidelity Investments may be higher or lower than those charged
by other broker-dealers.

However, DBIA will not receive any portion of the brokerage commissions and/or transactions fees charged to the
client.

The brokerage commissions and/or transaction fees charged by Charles Schwab and Fidelity Investments, or other
designated broker-dealer/custodians are exclusive of, and in addition to, DBIA investment management fee.

Although the commissions paid by DBIA’s clients shall comply with DBIA’s duty to obtain “best execution,” a
client may pay a commission that is higher than another qualified broker-dealer might charge to affect the same
transaction where DBIA determines, in good faith, that the commission is reasonable in relation to the value of the
brokerage and research services received.

In seeking “best execution,” the determinative factor is not the lowest possible cost, but whether the transaction
represents the best qualitative execution, taking into consideration the full range of broker-dealer services, including
the value of research provided, execution capability, commission rates, and responsiveness. Accordingly, although
DBIA will seek competitive rates, it may not necessarily obtain the lowest possible commission rates for client
account transactions.

The brokerage commissions and/or transaction fees charged by Charles Schwab and Fidelity Investments or other
designated broker-dealer/ custodian are exclusive of, and in addition to, DBIA’s investment management fee.

NobleBridge Wealth Management

For these sub-advisory services, we receive a fee from the primary advisor based on a percentage of the assets we
manage, as detailed in the sub-advisory agreement.

Fees are billed in advance by primary advisor and will debit client account and pay DBIA as more fully described
in Schedule B, Fee Schedule – Sub Advisory Accounts.

For any partial quarter in which this Agreement is in effect with respect to any Account (including the first quarter of
engagement or the quarter of termination), the Sub-Advisory Fee applicable to such Account shall be prorated based
on the actual number of calendar days the Agreement is in effect during such quarter divided by the total number of
calendar days in such quarter. Accrued fees on terminated accounts not yet earned will be promptly returned to
Adviser.
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TYPES OF CLIENTS

DBIA generally provides investment advice to individuals, pension and profit-sharing plans, individual retirement
plans, trusts, and business entities, in accordance with the investment objective(s) of the client. Client relationships
vary in scope and length of service.

                                              ACCOUNT MINIMUMS

The minimum account size is $400,000 of assets under management. DBIA has the discretion to waive the account
minimum. Accounts of less than $400,000 may be set up when the client and the advisor anticipate the client will
add additional funds to the accounts bringing the total to $400,000 within a reasonable time. Other exceptions will

apply to employees of DBIA and their relatives, or relatives of existing clients.

Clients with assets below the minimum account size may pay a higher percentage rate on their annual fees than
the fees paid by clients with greater assets under management.