Fingage Advisors LLC

Item 5 Fees and Compensation

A. Advisory Fees
Fingage is compensated for its advisory services by charging a fee based on the net market value of a
Client’s Account or a Plan’s assets. Fingage may also provide its services in exchange for a flat fee. Fingage
reserves the right, in its sole discretion, to negotiate, reduce or waive the advisory fee for certain Client
Accounts for any period of time determined by Fingage Advisors LLC. In addition, Fingage may reduce or
waive its fees for the Accounts of some Clients without notice to, or fee adjustment for, other Clients.
Fees may vary for each Client.

Fingage utilizes the proprietary investment technology from Fingage Holdings Inc. to provide personalized
financial advisory services and charges an annualized fee which can be as high as 0.35% on a Client’s assets
under management. The fee may be significantly lower especially in employer-sponsored or public
retirement plans based a number of factor such as the size of the plan and the number of plan participants.
Annual fees are charged on a monthly or quarterly basis as explained below.

Fingage Advisors LLC’s fees which are not charged as a flat fee are calculated on a regular basis and
deducted from Client Accounts each month or quarter as follows: Fingage calculates an advisory fee,
which is equal to the fee rate multiplied by the net market value of the Client’s Account as of the close of
trading on the New York Stock Exchange (“NYSE”) (herein, “close of markets”) on the last day of the month
or quarter, or as of the close of markets on the immediately preceding trading day for any day when the
NYSE is closed, and then divided by 4 (for quarterly) or 12 (for monthly).

B. Other Account Fees
Fingage is a “fee only” investment advisor, and other than its advisory fee described above, neither the
firm nor its employees receive or accept any direct or indirect compensation related to investments that
are purchased or sold for Client Accounts. This means that Clients will not be sold products or services
that create additional fees or compensation to benefit Fingage or its employees or its affiliates other than
those described in this Brochure and on the Site. However, in addition to advisory fees, Clients may also
pay other fees or expenses to third-parties such management fees of the funds used in a Clients’ accounts.
The issuer of some of the securities or products we advise Clients to purchase or purchase on their behalf,
such as ETFs, mutual funds, units of separate accounts, or other similar financial products (“Funds”), may
charge product fees that affect Clients. Fingage does not charge these fees to Clients, and does not benefit
directly or indirectly from any such fees. Funds typically includes embedded expenses that may reduce
their net asset value, and therefore directly affect their performance and indirectly affect a Client’s
portfolio performance or an index benchmark comparison. Expenses of Funds may include management
fees, custodian fees, brokerage commissions, and legal and accounting fees. The expenses of Funds may
change from time to time at the sole discretion of the Funds’ issuers. Fingage discloses each Fund’s current
information, including expenses, on the Site.

Form ADV Part 2

                          Form ADV Part 2 Client Brochure

Item 7 Types of Clients

There is no minimum amount required to open an account. As a result of the automation associated with
offering its services online, Fingage makes it possible for retail investors, as well as retirement accounts
and trusts, to access its service with much lower account minimums than normally available in the
industry. Clients have real-time access to their Accounts through the Site. Additional requirements for
opening an Account with Fingage are described below.

At any time, a Client may terminate an Account.

Investors evaluating Fingage’s online based financial advisory service should be aware that Fingage’s
relationship with Clients is likely to be different from the “traditional” investment advisor relationship in
several aspects:

1. Fingage is an online based financial advisor which means each Client must acknowledge her ability and
willingness to conduct his or her relationship with Fingage on an electronic basis. Under the terms of the
Client Agreement, each Client agrees to receive all Account information and Account documents
(including this Brochure), and any updates or changes to same, through her access to the Site and
Fingage’s electronic communications. Unless noted otherwise on the Site or within this Brochure,
Fingage’s advisory service, the signature for the Client Agreement, and all documentation related to the
advisory services are managed electronically.

2. To provide its advisory services and tailor its investment decisions to each Client’s specific needs,
Fingage collects information from each Client, including specific information about his or her financial
profile such as wealth, salary, overall financial situation, and investment objectives. Fingage maintains this
information in strict confidence subject to its Privacy Policy, which is provided on the Site. When
customizing its investment solutions, Fingage relies upon the information received from a Client. Although
Fingage contacts its Clients periodically as described further in Item 13 below, a Client must promptly
update his or her financial profile on Fingage’s site with any changes in his or her financial situation or
investment objectives that might trigger a change to her personalized portfolio and glide path.

3. The online based financial advisory service includes preselected Funds for each asset class within the
personalized portfolio of a Client. Fingage does not allow Clients to select their own Funds. Individual
investors with specific restrictions may not be able to become Clients.

Form ADV Part 2

                            Form ADV Part 2 Client Brochure