Dunhill Financial LLC

Item 5: Fees and Compensation

A. Fee Schedule

Services Fees

            Service Categories                   AUM                 Annual Fee

          Asset Management                       any                    0.50%

                                             < $400,000                 $5,000
                                        $400,000 - $1,000,000           1.25%
           Financial Planning          $1,000,000 - $2,500,000          1.00%
                                       $2,500,000 - $5,000,000          0.75%
                                      $5,000,000 - $10,000,000          0.50%

            Private Wealth                   > $10,000,000              $50,000

Services per Category

                               Asset           Financial      Private
             Service
                             Management        Planning       Wealth
        Model Portfolios          X                X             X
         Monthly Email
                                  X                X             X
           Update
         Direct Contact                            X             X
          Personalized
                                                   X             X
           Portfolios
         Financial Plan                            X             X

                                  Asset       Financial      Private
              Service
                                Management    Planning       Wealth
          Foreign Assets
                                                  X             X
            Handling
            In-Person
                                                  X             X
            Meetings
         Advanced Estate
                                                                X
            Planning
            Advanced
                                                                X
            Planning

These fees are negotiable depending upon the needs of the client and complexity of the
situation, and the final fee schedule is attached as Exhibit A of the Investment
Management Agreement. Fees are paid monthly or quarterly in arrears (depending on the
custodian) and are calculated based on the average daily net asset value of the managed
assets. Clients may terminate their contracts with fifteen days’ written notice. Because fees
are charged in arrears, no refund policy is necessary. Clients may terminate their accounts
without penalty within 5 business days of signing the advisory contract. Advisory fees
are withdrawn directly from the client’s accounts with client written authorization.

Robo-Advisory Portfolio Management Services Fees

Dunhill Financial provides robo-advisory portfolio management services via an online
interface.

                     Total Assets                         Annual Fee

                        All Assets                          0.50%

These fees are negotiable. Lower fees for comparable services may be available from other
sources.

Fees are paid quarterly in arrears (depending on the custodian) and are calculated based
on the average daily net asset value of the managed assets.

Clients may terminate the agreement without penalty, for full refund of Dunhill
Financial’s fees, within five business days of signing the Investment Advisory Contract.
Thereafter, clients may terminate the Investment Advisory Agreement with fifteen days’
written notice.

B. Payment of Fees

Payment of Service Fees

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization. Fees are paid in arrears. Advisory fees may also be invoiced and billed

       directly to the client quarterly in arrears. Clients may select the method in which they
       are billed.

       Payment of Financial Planning Fees

       Financial planning fees are either included as part of the client’s overall advisory fee or,
       in the case of one-time financial planning engagements, are billed separately in
       accordance with the instructions set forth on the applicable invoice.

       Payment of Robo-Advisory Portfolio Management Fees

       Robo-advisory portfolio management fees are withdrawn directly from the client’s
       accounts with client’s written authorization. Fees are paid quarterly in arrears.

       C. Clients Are Responsible For Third Party Fees

       Clients are responsible for the payment of all third party fees (i.e. custodian fees,
       brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
       distinct from the fees and expenses charged by Dunhill Financial. Please see Item 12 of
       this brochure regarding broker/custodian.

       D. Prepayment of Fees

       Dunhill Financial collects fees in advance and in arrears. Fees that are collected in advance
       will be refunded based on the prorated amount of work completed at the point of
       termination and the total days during the billing period. Fees will be deposited back into
       client’s account within fourteen days.

       E. Outside Compensation For the Sale of Securities to Clients

       Neither Dunhill Financial nor its supervised persons accept any compensation for the sale
       of securities or other investment products, including asset-based sales charges or services
       fees from the sale of mutual funds.

Item 7: Types of Clients
Dunhill Financial generally provides investment advice and/or management supervisory
services to the following types of clients:

          ❖ Individuals
          ❖ High-Net-Worth Individuals
          ❖ Trusts, Estates, Charitable Organizations, or Small Businesses

There is no account minimum.