Focus Point Capital LLC

ITEM 5: FEES AND COMPENSATION
FPC Macro
Focus Point receives an asset-based fee based on the following table:

                 Assets Under Management                                 Annual Fee
                 Less than $10 million                                    0.60%
                 $10 million to $50 million                               0.50%
                 Over $50 million                                         0.40%

The fee is billed in arrears, based on the value of the assets under management as last business day of the
calendar month. We may negotiate lower fee.

You may provide written authorization for us to deduct our fees directly from your investment account.
Important information about the deduction of management fees:

       You must provide authorization for us to deduct fees by initialing the appropriate section of our
        contract.

       Focus Point will send a detailed invoice each month showing the fee calculation at the same time
        we request payment from the custodian.

       You will receive a quarterly (or more frequent) statement from your custodian which shows all
        transactions in your account, including the deduction of our fee.

       You are responsible for reviewing the accuracy of the fees being billed, as the custodian will not
        do so.

You may elect to pay by check rather than having payment deducted directly from your account.

The Client may terminate this Agreement within five days of signing it without fee or penalty, upon
written notice to the Investment Advisor. Thereafter, you may end our advisory relationship by providing
30 days written notice. We will prorate the advisory fees earned through the termination date and send an
invoice for fees due.

Managed Account Platforms
Focus Point receives an asset-based fee as outlined on the FPC Macro fee schedule (above) based on the
total assets placed with Focus Point by the sponsor of the Managed Account Program. Oppenheimer
clients enter into a dual contract agreement with the Oppenheimer Star Platform and Focus Point which
details how fees are paid. Clients engaged through sponsors other than Oppenheimer will have a contract
with the sponsor that is separate from the contract they sign with Focus Point. For the assets placed with
Focus Point by Oppenheimer the fees are withdrawn from the clients’ accounts on a quarterly basis by
Oppenheimer and transferred to Focus Point. For the assets placed with Focus Point by sponsors using
the Schwab Market Place program, the fees are withdrawn from the clients’ accounts on a monthly basis
by Focus Point. Focus Point sends invoices for the accounts to the sponsors so they can be distributed.
The fees paid to Focus Point are in addition to the fees paid to the sponsors. Oppenheimer clients are
charged a negotiable monthly fee of at most 1/12th of 0.50% of their account value, subject to a $250
minimum, subject to change. Other sponsors may charge similar fees, but, because of privacy concerns,
Focus Point is not aware of what these fees are or how they are charged. All clients who use this service
are requested to refer to their agreements with the sponsors for their individual arrangements.

When we are compensated in advance for the management of accounts, we will rely on the sponsor to
either request a refund of unearned fees, or reduce the fees for the following billing cycle by that amount
in case of a termination of a client on a date other than the last day of a billing period. This will be
mentioned in the agreement between us and the sponsor.

Product Platforms
In the event that a Platform Client chooses to invest in one of Focus Point’s model portfolios, Focus Point
will receive a fee directly from the Platform Sponsor/Financial Institution. The terms of any such fee
arrangement are governed by the contract between the Platform Sponsor/Financial Institution and Focus
Point and may differ from the fee schedules shown above. Focus Point does not expect that the total fee
paid by the Platform Client exceeds 3%.

Other Costs Involved
In addition to our advisory fees shown above, expenses associated with making investments on behalf of
clients will also be incurred. These fees include:

       internal management fees for ETFs and other mutual funds which are disclosed in respective
        prospectuses. These are fees charged by the managers of the ETF or mutual fund and are a
        portion of the expenses of the ETF or mutual fund.

       brokerage costs and transaction fees for any equity, fixed income, or ETF trades. These are
        generally charged by your custodian and/or executing broker.

Additional information about brokerage costs and services is provided in “Item 12: Brokerage Practices.”

Neither Focus Point, nor any of its associated persons, receive compensation from the sale of securities or
investment products.

Grandfathering of Minimum Account Requirements
Pre-existing advisory clients are subject to our minimum account requirements and advisory fees in effect
at the time the client entered into the advisory relationship. Therefore, our firm’s minimum account
requirements may differ among clients.

ITEM 7: TYPES OF CLIENTS
We provide investment advisory services to institutional clients which include trusts, endowments,
foundations, investment advisors and pension funds, and individuals who qualify as high net worth
individuals who are referred by the institutional clients. Our stated minimum for new accounts is one
million dollars, but we also will consider taking clients with smaller minimums based on the
circumstances.