Lighthouse Swiss Wealth Advisors AG

Item 5 – Fees and Compensation

In addition to the information provided in Item 4 – Advisory Business, this section provides additional
details regarding our firm’s advisory services along with descriptions of each service’s fees and
compensation arrangements. It should be noted that lower fees for comparable service may be available
from other sources. The exact fees and other terms will be outlined in the agreement between you and
Lighthouse Swiss Wealth Advisors AG.

Asset Management Services

Fees charged for our asset management services are charged based on a percentage of assets under
management, billed in arrears (at the end of the billing period) on a quarterly calendar basis and
calculated based on the fair market value of your account as of the last business day of the previous
billing period. Fees are prorated (based on the number of days service is provided during the initial billing
period) for your account opened at any time other than the beginning of the billing period. If asset
management services are commenced in the middle of the billing period, then the prorated fee for that
billing period will be billed in arrears at the end of that billing period.

The asset management services continue in effect until terminated by either party (i.e., Lighthouse Swiss
Wealth Advisors AG or you) by providing written notice of termination to the other party. When fees are
billed in arrears, Lighthouse Swiss Wealth Advisors AG will prorate the final fee payment based on the
number of days services are provided during the final period. The amount of client assets on the
termination date will be used to determine the final fee payment. If termination of the client’s account
prevented the fee deduction for the services provided through the termination date, Lighthouse Swiss
Wealth Advisors AG may invoice client for the last partial quarter’s services.

Fees charged for our asset management services are negotiable based on the complexity of the client’s
situation, and the total amount of assets under management for the client.

The annual fee for asset management services will be between 0.65% and 1.25%, based on the size of
the account and generally will be charged according to the fee schedule below:
Lighthouse Swiss Wealth Advisors AG               Page 6            Form ADV Part 2A Disclosure Brochure

         Minimum Account Balance                      Annual Fee (as a % of Account Balance)

         US $500,000 - $2,500,000                              1.25%
         US $2,500,001 - $5,000,000                            1.00%
         US $5,000,001 - $10,000,000                           0.90%
         US $10,000,001 - $15,000,000                          0.75%
         US $15,000,001+                                       0.65%

There is a minimum account size of $500,000.

Lighthouse Swiss Wealth Advisors AG believes that its annual fee is reasonable in relation to: (1)
services provided and (2) the fees charged by other investment advisers offering similar
services/programs. However, our annual investment advisory fee may be higher than that charged by
other investment advisers offering similar services/programs. In addition to our compensation, you will
also incur charges imposed at the mutual fund level (e.g., advisory fees and other fund expenses) if any
of your account assets are allocated to mutual funds. As noted above, Lighthouse Swiss Wealth Advisors
AG does not typically provide advice on mutual funds unless you request advice on or direct allocation of
your Account to mutual funds.

The investment advisory fees will be deducted from your account and paid directly to our firm by the
qualified custodian(s) of your account. You will authorize the qualified custodian(s) of your account to
deduct fees from your account and pay such fees directly to our firm.

You should review your account statements received from the qualified custodian(s) and verify that
appropriate investment advisory fees are being deducted. The qualified custodian(s) will not verify the
accuracy of the investment advisory fees deducted.

Brokerage commissions and/or transaction ticket fees charged by the qualified custodian are billed
directly to you by the qualified custodian. Lighthouse Swiss Wealth Advisors AG does not receive any
portion of such commissions or fees from you or the qualified custodian. In addition, you will incur
certain charges imposed by third parties other than Lighthouse Swiss Wealth Advisors AG in connection
with investments made through your account including, but not limited to, mutual fund sales loads, 12(b)-
1 fees and surrender charges, variable annuity fees and surrender charges, IRA and qualified retirement
plan fees, and custody fees and other charges imposed by the qualified custodian(s) of your account.
Management fees charged by Lighthouse Swiss Wealth Advisors AG are separate and distinct from the
fees and expenses charged by investment company securities that may be recommended to you. A
description of some of these fees and expenses are available in each investment company security’s
prospectus.

Fixed Fee

For accounts that hold cash-only, Lighthouse Swiss Wealth Advisors AG will charge an annual fixed fee
of US$500. This fee will be charged on a quarterly calender basis (at the end of the billing period) Fees
are prorated based on the number of days client’s account is held at Lighthouse Swiss Wealth Advisors
AG during the initial billing period. The prorated fee for that initial billing period will be billed in arrears at
the end of thet billing period.

This fixed fee will be in effect until terminated by either party (i.e., Lighthouse Swiss Wealth Advisors AG
or you) by providing written notice of termination to the other party. When fees are billed in arrears,
Lighthouse Swiss Wealth Advisors AG will prorate the final fee payment based on the number of days
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Item 7 – Types of Clients

Lighthouse Swiss Wealth Advisors AG generally provides investment advice to the following types of
clients:

    •   Corporations or business entities
    •   High Networth Individuals
    •   Individuals

You are required to execute a written agreement with Lighthouse Swiss Wealth Advisors AG specifying
the particular advisory services in order to establish a client arrangement with Lighthouse Swiss Wealth
Advisors AG.

Minimum Investment Amounts Required

Lighthouse Swiss Wealth Advisors AG requires a minimum of $500,000 in order to open an account. To
reach this account minimum, clients can aggregate all household accounts. At its discretion, Lighthouse
Swiss Wealth Advisors AG may grant exceptions to the minimum account balance requirement.