High Point Wealth Management LLC

Item 5. Fees and Compensation

         High Point Wealth offers its services on a fee basis, typically based on a percentage of assets under
         management for investment management services, and hourly and/or fixed fees for financial planning services.

         Financial Planning and Consulting Fees

         High Point Wealth typically bundles its financial planning services as part of the Investment Management Fee
         described below. However, if clients only wish Financial Planning services (and not Investment Management
         Services), or, if clients request to have the services unbundled, High Point Wealth charges a fixed fee and/or
         hourly fee for financial planning and consulting services. These fees are negotiable, but generally range up
         to $2,500 on a fixed fee basis and/or from $200 to $250 on an hourly rate basis, depending upon the
         level and scope of the services and the professional rendering the financial planning and/or the consulting
         services. If the client engages High Point Wealth for additional investment advisory services, High Point
         Wealth usually offsets all or a portion of its fees for those services based upon the amount paid for the
         financial planning and/or consulting services.

         Prior to engaging High Point Wealth to provide financial planning and/or consulting services, the client is
         required to enter into a written agreement with High Point Wealth setting forth the terms and conditions of
         the engagement. Generally, High Point Wealth requires one-half of the financial planning / consulting fee
         (estimated hourly or fixed) payable upon entering the written agreement. The balance is generally due upon
         delivery of the financial plan or completion of the agreed upon services.

         Investment Management Fee

         High Point Wealth provides investment management services for an annual fee based upon a percentage
         of the market value of the assets being managed by High Point Wealth. High Point Wealth’s annual fee is
         exclusive of, and in addition to brokerage commissions, transaction fees, and other related costs and
         expenses which are incurred by the client. High Point Wealth does not, however, receive any portion of
         these commissions, fees, and costs. High Point Wealth’s annual fee is prorated and charged quarterly, in
         arrears, based upon the market value of the assets being managed by High Point Wealth on the last day
         of the previous quarter. The annual fee varies (between 0.25% and 1.00%) depending upon the market
         value of the assets under management and the type of investment management.

         Fee Discretion

         High Point Wealth, in its sole discretion, will under certain circumstances negotiate to charge a lesser
         advisory fee based upon certain criteria (i.e., anticipated future additional assets, related accounts, pre-
         existing client, pro bono activities, etc.).

         Fees Charged by Financial Institutions

         As further discussed in response to Item 12 (below), High Point Wealth recommends that clients utilize the
         brokerage and clearing services of Fidelity Institutional Wealth Services (“ Fidelity”) for investment
         management accounts.

         High Point Wealth may only implement its investment management recommendations after the client has
         arranged for and furnished High Point Wealth with all information and authorization regarding accounts
         with appropriate financial institutions. Financial institutions include, but are not limited to, Fidelity, any
         other broker-dealer recommended by High Point Wealth, trust companies, banks etc. (collectively referred
         to herein as the “Financial Institutions”).

         Under certain circumstances, Clients will incur certain charges imposed by the Financial Institutions and
         other third parties such as custodial fees, charges imposed directly by a mutual fund or ETF in the account,
         which is disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), deferred
         sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other
         fees and taxes on brokerage accounts and securities transactions. Such charges, fees and commissions
         are exclusive of and in addition to High Point Wealth’s fee.

         Fee Debit

         High Point Wealth’s Agreement and the separate agreement with the Financial Institutions authorize High
         Point Wealth to debit the client’s account for the amount of High Point Wealth’s fee and to directly remit
         that management fee to High Point Wealth. Any Financial Institutions recommended by High Point Wealth
         have agreed to send a statement to the client, at least quarterly, indicating all amounts disbursed from the
         account including the amount of management fees paid directly to High Point Wealth.

         Fees for Management During Partial Quarters of Service

         For the initial period of investment management services, the fees are calculated on a pro rata basis.

         The Agreement between High Point Wealth and the client will continue in effect until terminated by either
         party pursuant to the terms of the Agreement. High Point Wealth’s fees are prorated through the date of
         termination and any remaining balance is charged or refunded to the client, as appropriate.

         Additions may be in cash or securities provided that High Point Wealth reserves the right to liquidate any
         transferred securities or decline to accept particular securities into a client’s account. High Point Wealth
         consults with its clients about the options and ramifications of transferring securities. However, clients are
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Item 7. Types of Clients

          High Point Wealth offers advisory services to individuals, pension and profit-sharing plans, trusts, estates,
          and charitable organizations.