Lifestyle Asset Management Inc

Item 5 Fees and Compensation
Portfolio Management Services

Our fee for portfolio management services is based on a percentage of your assets we manage
and is set forth in the following fee schedule:

Assets Under Management                 Annual Fee
$0 to $250,000                            1.75%
$250,001 to $500,000                      1.55%
$500,001 to $750,000                      1.45%
$750,001 to $1,000,000                    1.35%
$1,000,001 to $2,000,000                  1.25%
$2,000,001 to $3,000,000                  1.05%
$3,000,001 to $4,000,000                  0.95%
$4,000,001 to $5,000,000                  0.85%
Over $5,000,000                           0.75%

The management fee is “linear” meaning the applicable rate will be applied to the household
custodian reported value for each level back to the first dollar. For example, a household with a
month end value of $600,000 will be charged at a rate of 1.45% for the entire household value.

Our annual portfolio management fee is billed and payable monthly in advance based on the value
of your account as of the end of the preceding month. The market value of the Portfolio will be
determined at the end of each calendar month for the purpose of calculating the management fee
by adding the value of all securities and other assets and subtracting liabilities of, or related to, the
Portfolio. Adjustments to balances reported on the custodian's statement may be made based on
the time weight of deposits or withdrawals from a client's account or for trades, interest and dividends
that have yet to be settled.

If the portfolio management agreement is executed at any time other than the first day of a calendar
month, our fees will apply on a pro rata basis, which means that the advisory fee is payable in
proportion to the number of days in the month for which you are a client. Our advisory fee is
negotiable, depending on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same
household to determine the applicable advisory fee. For example, we may combine account values
for you and your minor children, joint accounts with your spouse, and other types of related accounts.
Combining account values may increase the asset total, which may result in your paying a reduced
advisory fee based on the available breakpoints in our fee schedule stated above.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when the following requirements are met:

    • You provide our firm with written authorization permitting the fees to be paid directly from your
      account held by the qualified custodian.
    • The qualified custodian agrees to send you a statement, at least quarterly, indicating all

        amounts dispersed from your account including the amount of the advisory fee paid directly
        to our firm.

You may terminate the portfolio management agreement upon 30 days written notice to our firm.
You will incur a pro rata charge for services rendered prior to the termination of the portfolio
management agreement, which means you will incur advisory fees only in proportion to the number
of days in the month for which you are a client. If you have pre-paid advisory fees that we have not
yet earned, you will receive a prorated refund of those fees.

Any accounts transferred under Lifestyle Asset Management, Inc. (“LSAM”) with an
approved custodian, as well as any aggregation accounts (variable annuities, alternative
investments, retirement plan Self-Directed Brokerage Accounts, 529 plan accounts, mutual fund
accounts held directly with fund companies, etc.), that are NOT managed under this Agreement or
granted any discretion, but for which LSAM receives a data feed for purposes of reporting aggregate
client account values on quarterly statements and web client portal views, will be charged a $15.00
annual fee for database maintenance purposes.

Pension Consulting Services

Our fee for pension consulting services is based on a percentage of the assets we manage and is
set forth in the following fee schedule:

    •    Annual fee of 50 basis points (or 0.50%) per year for plans with Included Assets under $2
         million

    •    Annual fee of 40 basis points (or 0.40%) per year for plans with Included Assets between $2
         million and $5 million

    •    Annual fee of 30 basis points (or 0.30%) per year for plans with Included Assets between $5
         million and $10 million

    •    Annual fee of 20 basis points (or 0.20%) per year for plans with Included Assets between
         $10 million and $25 million

    •    Annual fee of 15 basis points (or 0.15%) per year for plans with Included Assets over $25
         million

All fee tiers are retroactive to the first dollar.

Our annual pension consulting fee is billed and payable quarterly in advance based on the account
value as of the previous quarter. The specific day on which the account is valued may vary depending
on the arrangements made at the time of the engagement. Adjustments to balances reported on the
custodian's statement may be made based on the time weight of deposits or withdrawals from a
client's account or for trades, interest and dividends that have yet to be settled.

If the pension consulting agreement is executed at any time other than the first day of a calendar
quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in
proportion to the number of days in the quarter for which the Plan is a client. Our advisory fee is

negotiable, depending on individual client circumstances.

We will deduct our fee directly from the Plan account through the qualified custodian holding the
funds and securities. We will deduct our advisory fee only when the following requirements are
met:
...

Item 7 Types of Clients
We offer investment advisory services to individuals, banks and thrift institutions, investment
companies, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations,
and other investment advisers.

In general, we require a minimum of $50,000 to open and maintain an advisory account. At our
discretion, we may waive this minimum account size. For example, we may waive the minimum if
you appear to have significant potential for increasing your assets under our management. We may
also combine account values for you and your minor children, joint accounts with your spouse, and
other types of related accounts to meet the stated minimum.