IDB LIDO Wealth LLC

Item 5: Fees And Compensation

10.        Advisory Fees

IDB Lido typically charges an annualized percentage rate fee based on a client’s total assets managed by IDB Lido (“Asset Management
fee”). IDB Lido enters into other fee arrangements including, but not limited to, fixed fees based on client-specific circumstances, or the
advisory service being rendered. The Agreement will reflect all fee arrangements between IDB Lido and the client. Although IDB Lido
believes its fees are competitive, the client should be aware that lower fees for comparable services may be available from other sources.

11.        Asset Management Fees

IDB Lido's Asset Management fee is calculated based on an annualized percentage that is determined by the client’s total managed asset
amount, as described below.

                       Annualized Percentage                    Managed Account(s) Asset Amount
                       1.25%                                    on account assets under $2,000,000
                       1.00%                                    on account assets of $2,000,000 and higher

The applicable Annualized Percentage is determined by a client’s total Managed Asset Amount (see further below on how this is
determined) and that Annualized Percentage is applied uniformly to the total Managed Asset Amount. The Asset Management fee is then
calculated using the applicable Annualized Percentage multiplied by the Managed Asset Amount. For example, if IDB Lido is managing a
client’s total Managed Asset Amount of $3 million, an Annualized Percentage of 1% would apply, resulting in an annualized fee calculated
as 1% of $3 million. This fee schedule applies only to IDB Lido's Asset Management fee. Other fees, such as those charged by custodians,
TPAMs, or sub-advisers, will be in addition to the Asset Management fee. Clients are charged a minimum Asset Management fee of $2,500
per quarter ($10,000 annually). Please note that when a client’s total managed asset amount is less than $800,000, the minimum fee paid
equals more than 1.25% of the managed assets.

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IDB Lido will also in certain instance utilize a marginal fee calculation, where Managed Assets Amount tiers are each assessed specific Asset
Management fees. For example, if IDB Lido is managing a client’s total assets of $3 million (Managed Asset Amount), an Annualized
Percentage of 1.25% would apply to $2 million and an Annualized Percentage of 1% would apply to $1 million.

Relevant in determining the total Asset Management fee is the market value of the client’s Managed Asset Amount subject to the fee on
the last business day of the prior calendar quarter (or, in the absence of a then-current known market value, the last known market value).
IDB Lido determines the client’s total Managed Asset Amount in order to calculate its Asset Management fee. When determining market
value of an asset for purposes of calculating the Asset Management Fee, IDB Lido's policy is as follows:

          For all publicly traded, marketable securities held by the client, IDB Lido will receive daily prices electronically from a third-party
           provider, which are reconciled with daily prices received by the client’s custodians. Any noted discrepancies are promptly
           corrected, and the reconciled prices are used for determining market value. The market value of an account includes securities
           and cash (and cash equivalents) in the account.
          For privately held, hard to value, or illiquid (where no public market or ready access to buyers or sellers) securities, such as
           Alternative Investments, IDB Lido uses the most recently reported valuation at the end of the billing quarter. IDB Lido relies on
           reported valuations by the custodian, or third-party or affiliated asset managers or sub-advisers and has limited ability to verify
           the accuracy of the reported valuation. In rare instances, primarily when a valuation is not readily discerned by any of the
           aforementioned sources, an internally derived valuation, consistent with IDB Lido’s policies and procedures, will be utilized.
           Reported valuations for Alternative Investments typically lag other valuations and the last available values will likely differ from
           the values effective as of the end of the billing quarter.
          Fees are not charged on accrued dividends and interest.

The Asset Management fee is based on an annualized percentage, calculated quarterly, and billed in arrears after the end of each calendar
quarter. IDB Lido calculates the Asset Management fee based on the average daily market value of a client’s billable managed assets,
determined by averaging the closing values of the billable assets for each day in the quarter, including cash and cash equivalents, or, in the
absence of a then-current known market value, the last known market value. While IDB Lido does not adjust fees for any addition or
withdrawal activity, the fee calculation will include the market value of assets held on margin. Please note, the use of margin in an
investment advisory account increases the total market value of the assets, which in turn increases IDB Lido’s asset-based investment
management fee. This creates a conflict of interest since there is an incentive for IDB Lido to recommend the use of margin to clients. In
addition, the use of margin increases leverage in a client’s account and therefore increases overall risk. To address the conflict and due to
the risks involved, IDB Lido only recommends margin to clients that the firm has deemed suitable, where it is in line with the client’s
investment strategy, and the client has the investment experience and ability to fully understand and accept the risks. Please refer to Item
8 below for further information on the risks surrounding margin accounts.
...

Item 7: Types of Clients

25.        Clients

IDB Lido offers investment advisory and financial-related services to its clients, which include high-net-worth and ultra-high-net worth
individuals, their families, pensions, defined contribution plans, profit-sharing plans, trusts, estates, charitable organizations, corporations
and other types of business entities, insurance companies, and pooled investment vehicles.

26.        Client Accounts

IDB Lido generally requires a minimum of $1 million to open an investment advisory account. IDB Lido reserves the right to waive or adjust
this minimum, as well as decline any potential client, for any reason. IDB Lido’s client relationship is reflected in the Agreement. See also
Item 4 (Advisory Business) and Item 5 (Fees and Compensation).

When providing investment advice to a client, IDB Lido is deemed a fiduciary pursuant to certain federal regulations, and within the meaning
of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing
retirement accounts. The way the firm makes money creates conflicts of interest; however, as a fiduciary, IDB Lido and our supervised
persons are required to always act in our clients’ best interests, which means we must, at a minimum take the following steps:

          Meet a professional standard of loyalty and care when making investment recommendations.
          Always put our clients’ interests ahead of our own when making recommendations and providing services.
          Disclose all conflicts of interest and how the Firm addresses such conflicts.
          Adopt and follow policies and procedures designed to help ensure that we give advice and provide services that remain in each
           client’s best interest.
          Charge an advisory fee that is reasonable for our services.
          Not provide, or withhold, any information that could render our advice and/or services misleading.

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Clients covered under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) will be provided certain required
disclosures to the “responsible plan fiduciary” in accordance with ERISA Section 408(b)(2). These disclosures provide notice setting forth
IDB Lido’s services and the direct and indirect compensation IDB Lido receives from these services. IDB Lido provides information related
to its compensation arrangements in its Brochure and Agreement. These disclosures are collectively designed to enable the ERISA fiduciary
to determine the reasonableness of all compensation received by IDB Lido, identify any potential conflicts of interests, and satisfy reporting
and disclosure requirements to plan participants.

A client meeting the definition of “qualified client” prior to the definitional change is grandfathered from these new requirements.