LD Lowe Wealth Advisory Inc

Item 5 Fees and Compensation

INVESTMENT MANAGEMENT FEE SCHEDULE:

As discussed in Item 4, LD Lowe’s Wealth Management Services are typically a combination of our
Financial Planning and Portfolio Management Services and are primarily offered through a wrap fee
program. The management fee is based on all "assets under management" that have been recommended
and invested by us. This includes all alternatives, illiquid assets, cash and cash equivalents held in a
client’s accounts. We typically will not offer management outside of the wrap program. A wrap fee can
result in clients paying more for the services received, than had the client executed transactions in a non-
wrapped, commission-based account.

Wrap pricing allows clients to pay an all-inclusive fee for our investment management, brokerage
transaction costs, clearance, custody and administrative services. LD Lowe will pay to our broker, Equity
Advisors Solutions (“EAS”) the transaction/execution costs associated with the equity transactions. See
Item 12 – Brokerage of this firm disclosure brochure for additional information regarding our use of EAS
brokerage services.

WEALTH MANAGEMENT FEE SCHEDULE Assets

Under Management Annual Fee
                     Up to and including $1,000,000.99 1.95%
             $1,000,001 up to and including $2,000,000.99 1.75%
             $2,000,001 up to and including $4,000,000.99 1.30%
             $4,000,001 up to and including $6,000,000.99 0.95%
             $6,000,001 up to and including $8,000,000.99 0.85%
             $8,000,001 up to and including $10,000,000.99 0.70%
             $ 10,000,001 and above are negotiable for fees.
    Accounts may be “house-held” for billing purposes. House holding includes all accounts for a client and
    the client’s family members. Exceptions may occur at our sole discretion. The management fee is an
    annual fee billed on a quarterly basis. The total fee is calculated as a flat fee using “assets under
    management” that have been recommended and invested by you (example: an account with $2,500,000
    in assets under management will be charged an annual flat rate of 1.30%). Our firm does not make interim
    quarterly adjustments for flows in and out of the client’s account.

    The inherent conflicts of utilizing a wrap fee structure is that LD Lowe has a potential disincentive to
    trade securities or that utilizing a wrap account can cost you more than simply executing trades and not
    bundling the commissions and some fees. We mitigate this risk by disclosing it to you, our client. When
    your account has low trading volumes, high cash balances, or significant fixed income weightings you
    may be able to receive similar services at a lower cost outside of a wrap fee program. Please contact us
    if you have a concern about your account.

    Clients should be aware that the advisory fee does not include transfer fees, trading away fees or margin
    interest fees. Additionally, the account will incur commissions, mark-ups/mark-downs on transactions
    directed to other broker/dealers outside of our wrap program. As well, any specialized custodial account
    charges such as IRA account fees may also be charged to client. This amount may vary in special
    situations and will be disclosed to client in the client’s separate brokerage or custodial agreements.

    Management fees charged are negotiable in situations where client’s portfolio size begins outside our
    published fee brackets or in other situations deemed appropriate by us in our sole discretion.

    General Information for Management Fees:

    Our fees are based on the percentages listed in the Fee Schedule on account market values1 based on the
    last business day of each calendar quarter. Fees are calculated by multiplying the assets under management
    market value by the relevant percent and dividing such product by four (4). Clients provide written
    permission for the direct deduction of fees in the Investment Management Agreement signed by the client,
    when opening an account with our firm. Portfolio Management fees will be directly deducted from client’s
    account by the custodian quarterly, in advance, from clients’ accounts within thirty (30) days following
    the end of the quarter. The Custodian will send to client a quarterly account statement that shows the
    amount of our advisory fee, the value of client’s assets upon which the fee was based.

 Certain alternative assets and insurance products are not valued at fair market. Please see this section’s, “Other
Products and Service Fees” for more details.

Additional Types of Fees or Expenses:

Clients are hereby advised that all fees paid to us for investment advisory services are separate and distinct
from the fees and expenses charged by mutual funds (described in each fund's prospectus) to their
shareholders. These fees will generally include a management fee and other fund expenses. When these
fees are charged in a wrap account, it can result in you paying higher fees than purchasing the product
separately. Further, for those accounts not participating in our wrap fee program, there are transaction
charges involved with purchasing or selling of securities. We do not share in any portion of the brokerage
fees/transaction charges imposed by the custodian holding the client funds or securities. Client should
review all fees charged by mutual funds, us, and others to fully understand the total amount of fees to be
paid by client.

The advisor fee also does not include transfer fees, or margin interest and for any commissions and any
mark-ups/mark-downs on transactions directed to other broker/dealers as well as any specialized custodial
account charges such as IRA account fees. This amount may vary in special situations and will be
disclosed to client. The fees charged are negotiable in situations where client’s portfolio size begins
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