Jderek Lewis & Associates Inc

ITEM 5 – Fees and Compensation

                             INVESTMENT ADVISORY FEES

FEE LEVELS

JDLA generally charges between 50 basis points and 100 basis points (1%) of assets
under its management. The exact fees are specified in your Investment Management
Agreement. If a 3rd party money manager is used, then the total fees from JDLA and the
3rd party money manager are up to 1.5% of the assets under management. See below
for more details regarding 3rd party money managers.

AUTHORIZATIONS AND BASIS FOR FEES

JDLA provides personal financial and asset management services to clients on a “fee-
only” basis. Client will pay JDLA periodic fees for its investment advice. The fee will be
calculated as a percentage of the market value of all assets in Client’s Account on the
last trading day of the respective quarter, and either billed quarterly in advance or
quarterly in arrears. Certain assets may be excluded for billing purposes.

Depending upon which billing platform is used, the advisory fee is either payable quarterly
in advance or quarterly in arrears (meaning, for the prior financial quarter). For F2 shares
of American Funds, there is a platform for direct debiting of the account, quarterly in
arrears. In other words, Client accounts that use the F2 share class mutual funds on the
American Funds Service Company (“AFS”) platform, a corporation duly incorporated
under the laws of California, will be billed in arrears, while accounts where JDLA
calculates the billing, to be sent to the Custodian for processing, will be billed in advance.

For the first partial quarter upon the opening of the Account or the transitioning to the
investment advisory services from, e.g., a brokerage-only relationship, the fee shall be
based upon the market value of assets subject to the Client contract (“Agreement” or
“Investment Management Agreement”) with JDLA as of the effective date of that
Agreement.

With accounts that bill fees in arrears, if the Account value rises over the quarter, the
stated fee has a higher effective rate because it is applied to a value that may be higher

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than other measures of Account value such as the average Account value over the
quarter.

In any partial calendar quarter, the advisory fee will be pro-rated based upon the number
of days that the Account was open during the quarter.

The advisory fees paid by you under this Agreement may be higher or lower than the
advisory fees JDLA charges other clients for managing accounts that differ in size, type,
investment objectives and restrictions, or other significant characteristics. In addition, the
fees JDLA charges may differ from those charged by other investment advisers.

For purposes of calculating our fees, JDLA will value the securities in your Account that
are listed and traded on a national securities exchange/NASDAQ at the closing price on
the valuation date on the principal market where the securities are traded, except that
mutual funds will be valued at Net Asset Value (“NAV”) as computed by the respective
mutual fund companies and/or its service providers. JDLA will value other securities or
investments in your Account in a manner that we believe, in good faith, reflects their fair
market value, or they will be excluded from billing.

Additional contributions to an existing account that (when considering all deposits made
during that quarter) are greater than $100,000 will be billed on the next bill. If you
withdraw funds during a calendar quarter (for accounts bills in advance) in an amount
which (when considering all withdrawals made during that quarter) is greater than
$100,000, a pro rata reduction of the amount of JDLA’s fees will be made to your bill for
the next quarter.

Client understands that Account assets invested in shares of mutual funds or other
investment companies (“Funds”) will be included in the calculation of the value of the
Account for purposes of computing Adviser’s fees and the same assets will also be
subject to additional advisory and other fees and expenses, as set forth in the
prospectuses of those Funds, paid by the Funds, but ultimately borne by the investor. For
assets other than mutual funds, the fees will be based upon the closing market value as
reported by the Qualified Custodian. As referenced above, in any partial calendar quarter,
the advisory fee will be pro-rated based upon the number of days that the Account was
open during the quarter.

For avoidance of doubt, fees are based upon services and advice rendered, not on
investment performance. There will be periods of market decline. JDLA shall not be
compensated on the basis of a share of capital gains or capital appreciation of the Funds
or any portion of the Account value of Client.

If JDLS receives 12b-1 commissions for account positions under management by JDLA,
then the Advisory and/or management fees for mutual fund assets would be calculated
and billed at the above rate minus the 12b-1 payments (-0.25%) paid to JDLS as the
broker/dealer. Likewise, if JDLS receives mutual fund loads/commissions for such
products purchased, then JDLA will consider those commissions paid to JDLS in
determining the level of JDLA’s advisory fees (in other words, it will reduce its advisory

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fee by a function of the commissions paid). JDLA will generally reduce its advisory fees
in consideration of any commissions that JDLS receives.

Even in accounts that are otherwise non-discretionary, which have an inadequate balance
to pay the advisory fee, the Client shall duly authorize JDLA to reallocate the Client’s
account in order for the Client to be able to honor its fee commitment. Such limited
authorization includes the authority to invest, sell, and reinvest proceeds in the account,
at its discretion, without being obligated to obtain Client’s prior confirmation of any
proposed action.

Nothing reflected above shall be construed to grant JDLA any of the following powers:
...

ITEM 7 – Types of Clients

JDLA mainly advises individuals, charities, corporations and other businesses, pension
and profit-sharing plans and entities controlled by one individual or a family. The latter
entities include pass-through entities, such as limited liability companies and
partnerships, as well as trusts.

As of December 31, 2025, JDLA had a total of 7,943 accounts and assets under
management of $2,276,577,707. For new customers, if such figures differ significantly at
any point in time after the effective date of this document, then JDLA will update you.
JDLA anticipates acquiring additional accounts that may be managed on either a
discretionary or non-discretionary basis. The conditions for managing Client accounts are
that the Client signs an Investment Management Agreement and that JDLA accepts its
role and believes that it can manage according to the Client’s investment objectives.
Moreover, the minimum account size is generally $100,000. Other requirements include
providing the standard customer identification data, including unexpired driver’s license
or passport. With respect to Accounts registered in the name of an entity, JDLA requires
documentary evidence of the company, its certificate or confirmation of good standing,
the Partnership Agreement, Limited Liability Company/Operating Agreement, Trust
Agreement, Certificate of Incumbency and other material substantiating that the person
opening any company or entity accounts has the authority to transact business and give
instructions on behalf of such companies and entities that are currently in good standing.