Kamichu Wealth Management LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
wealth management agreement. Wealth management fees are based on the market value of assets under
management at the end of the prior calendar quarter.

Wealth management fees range up to 1.00% annually based on several factors, including: the complexity of the
services to be provided, the level of assets to be managed, and the overall relationship with the Advisor.
Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities
may be charged a higher fee. The Client’s fees will take into consideration the aggregate assets under
management with the Advisor. The wealth management fee in the first quarter of service is prorated from the
inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the
Advisor.

All securities held in accounts managed by Kamichu will be independently valued by the Custodian. The Advisor
will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. The Advisor’s fee is exclusive
of, and in addition to, any applicable securities transaction and custody fees, and other related costs and
expenses described in Item 5.C. below, which may be incurred by the Client. However, the Advisor shall not
receive any portion of these commissions, fees, and costs.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by applying the
quarterly rate (annual rate divided by 4) to the total assets under management with Kamichu at the end of the prior
quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the
wealth management fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the
Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written
authorization permitting advisory fees to be deducted by Kamichu directly from their account[s] held by the
Custodian as part of the wealth management agreement and separate account forms provided by the Custodian.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Kamichu, in connection with
investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities
execution fees charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge
securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the
terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for
mutual funds and other types of investments. The fees charged by Kamichu are separate and distinct from these
custody and execution fees.

In addition, all fees paid to Kamichu for investment advisory services are separate and distinct from the expenses
charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described
                                           Kamichu Wealth Management, LLC
                                         1981 Fenchurch Ct., Las Vegas, NV 89117
                                                 Phone: (702) 324-4324

in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the
funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a
possible distribution fee. A Client may be able to invest in these products directly, without the services of
Kamichu, but would not receive the services provided by Kamichu which are designed, among other things, to
assist the Client in determining which products or services are most appropriate for each Client’s financial
situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees
charged by Kamichu to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices
for additional information.

D. Advance Payment of Fees and Termination
Wealth Management Services
Kamichu is compensated for its services in advance of the quarter in which wealth management services are
rendered. Either party may terminate the wealth management agreement, at any time, by providing advance written
notice to the other party. The Client may also terminate the wealth management agreement within five (5) business
days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur
charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable
by the Client. The Advisor will refund any unearned, prepaid wealth management fees from the effective date of
termination to the end of the quarter. The Client’s wealth management agreement with the Advisor is non-
transferable without the Client’s prior consent.

E. Compensation for Sales of Securities
Kamichu does not buy or sell securities and does not receive any compensation for securities transactions in any
Client account, other than the investment advisory fees noted above.

Insurance Agency Affiliation
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Item 7 – Types of Clients

Kamichu offers investment advisory services to individuals, high net worth individuals, trusts, and estates. The
amount of each type of Client is available on Kamichu’s Form ADV Part 1A. These amounts may change over
time and are updated at least annually by the Advisor. Kamichu generally does not impose a minimum
relationship size.