Kubhera Enterprises LLC

Item 5           Fees and Compensation

   A.
                                  INVESTMENT ADVISORY SERVICES
         The Registrant’s annual investment advisory fee shall be based upon a percentage of the
         market value of assets placed under the Registrant’s management as follows:

                                          Individual Accounts
                         Market Value of Portfolio                Annual Fee
                         $1,000 to $500,000                         1.25%
                         $500,001 to $1,000,000                     1.00%
                         $1,000,001 to $5,000,000                   0.50%
                         Over $5,000,000                            0.25%

                                          Pension Consulting
                         Market Value of Portfolio                Annual Fee
                         $1,000 to $1,000,000                       1.00%
                         $1,000,001 to $10,000,000                  0.50%
                         Over $10,000,000                           0.25%

                       PRIVATE INVESTING THROUGH WILLOW WEALTH INC.
         For those clients who elect to participate and execute an amendment to their Investment
         Advisory Agreement, the Registrant will charge clients the fees that are agreed to in their
         Investment Advisory Agreement. Those fees are generally outlined above under the
         Individual Accounts heading.

               FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
         The Registrant may be engaged to provide financial planning and/or consulting services
         (including investment and non-investment related matters, including estate planning,
         insurance planning, etc.) on a stand-alone fee basis. Registrant’s planning and consulting
         fees are negotiable, but generally range from $500 to $7,500 on a fixed fee basis, and
         from $100 to $200 on an hourly rate basis, depending upon the level and scope of the
         service(s) required and the professional(s) rendering the service(s).

   B. Clients may elect to have the Registrant’s advisory fees deducted from their custodial
      account. Both Registrant's Investment Advisory Agreement and the custodial/clearing
      agreement may authorize the custodian to debit the account for the amount of the
      Registrant's investment advisory fee and to directly remit that management fee to the
      Registrant in compliance with regulatory procedures. In the limited event that the
      Registrant bills the client directly, payment is due upon receipt of the Registrant’s
      invoice. The Registrant shall deduct fees and/or bill clients quarterly in advance, based
      upon the market value of the assets on the last business day of the previous quarter.

   C. As discussed below, unless the client directs otherwise or an individual client’s
      circumstances require, the Registrant shall generally recommend that Charles Schwab
      and Co., Inc. (“Schwab”) serve as the broker-dealer/custodian for client investment
      management assets. Broker-dealers such as Schwab charge brokerage commissions
      and/or transaction fees for effecting certain securities transactions (i.e. transaction fees

         are charged for certain no-load mutual funds, commissions are charged for individual
         equity and fixed income securities transactions). In addition to Registrant’s investment
         management fee, brokerage commissions and/or transaction fees, clients will also incur,
         relative to all mutual funds, exchange traded funds, and other pooled investment vehicles,
         charges imposed at the fund level (e.g. management fees and other fund expenses).

   D. Registrant's annual investment advisory fee shall be prorated and paid quarterly, in
      advance, based upon the market value of the assets on the last business day of the
      previous quarter. The Investment Advisory Agreement between the Registrant and the
      client will continue in effect until terminated by either party by written notice in
      accordance with the terms of the Investment Advisory Agreement. Upon termination, the
      Registrant shall refund the pro-rated portion of the advanced advisory fee paid based
      upon the number of days remaining in the billing quarter.

   E. Securities Commission Transactions. Neither the Registrant, nor its representatives
      accept compensation from the sale of securities, but see Item 10.C below for information
      about our affiliated insurance agency—Kubhera Risk Management, LLC.

Item 7           Types of Clients

         The Registrant’s clients generally include individuals, business entities, trusts, estates,
         charitable organizations, and the affiliated private fund. The Registrant does not generally
         require an annual minimum fee or asset level for investment advisory services. The
         Registrant, in its sole discretion, may charge a lesser investment management fee or
         require a minimum asset level based upon certain criteria (i.e. anticipated future earning

         capacity, anticipated future additional assets, dollar amount of assets to be managed,
         related accounts, account composition, negotiations with client, etc.).