Meld Financial Inc

Item 5 Fees and Compensation
Portfolio Management Services
Our annual fee for portfolio management services varies up to 1.50% depending upon the market
value of your assets under our management, the type and complexity of the asset management
services provided, as well as the level of administration requested either directly or assumed by the
client. Assets in each of your account(s) are included in the fee assessment unless specifically
identified in writing for exclusion.

Our annual portfolio management fee is billed and payable, quarterly in advance, based on the
average daily balance.

If the portfolio management 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 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.

You may terminate the portfolio management agreement upon written notice. 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 quarter 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.

Financial Planning Services
We charge a fixed fee for financial planning services, which generally ranges up to $2,500. Fees for
financial planning services may be billed 100% in advance, 50% in advance, or invoiced as completion
of deliverables, pursuant to the terms for the agreement. The fee is negotiable depending upon the
complexity and scope of the plan, your financial situation, and your objectives. We do not require you
to pay fees six or more months in advance. Should the engagement last longer than six months
between acceptance of financial planning agreement and delivery of the financial plan, any prepaid
unearned fees will be promptly returned to you less a pro rata charge for bona fide financial planning
services rendered to date.

Individual Consultations
We charge an hourly fee of $250 for individual consultations, which is negotiable depending on the
scope and complexity of the plan, your situation, and your financial objectives. An estimate of the total
time/cost will be determined at the start of the advisory relationship. In limited circumstances, the
cost/time could potentially exceed the initial estimate. In such cases, we will notify you and request that
you approve the additional fee.

We require that you pay 50% of the fee in advance and the remaining portion upon the completion of
the services rendered.

We will not require prepayment of a fee more than six months in advance and in excess of $1,200.

You may terminate the financial planning agreement upon written notice to our firm. If you have pre-
paid financial planning fees that we have not yet earned, you will receive a prorated refund of those
fees. If financial planning fees are payable in arrears, you will be responsible for a prorated fee based
on services performed prior to termination of the financial planning agreement.

Pension Consulting Services
Our fee for pension consulting services is based on a percentage of the assets in your account and is
set forth in the following annual fee schedule:

                                         Annual Fee Schedule

           Assets Under Management                                        Annual Fee
                 $0 - $250,000                                              1.50%

                $250,001 - $500,000                                          1.25%

               $500,001 - $1,000,000                                         1.00%

               $1,000,000 and higher                                      Negotiable

Advice to Participants: Employer-Sponsored Plan Clients will be charged an annual fee of .25% for
advisory services provided to plan participants.

Our annual pension consulting fee is billed and payable, either quarterly in advance or quarterly in
arrears pursuant to the terms of the agreement and is based on the average daily balance. All fees are
negotiable at our sole discretion. Specific fee arrangements will be set forth in your Agreement.

You may terminate the pension consulting services agreement upon written notice to our firm. You will
incur a pro rata charge for services rendered prior to the termination of the agreement, which means
you will incur advisory fees only in proportion to the number of days in the quarter 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.

Educational Seminars and Workshops
Educational seminars and workshops are offered on a fixed fee basis. The fixed fee will be agreed
upon before the engagement. The fixed fee can range between $200 - $2,500 per event and may be
negotiable. The fee is based on the content, amount of research conducted, number of hours of
preparation needed, and the number of attendees.

Trustee Services
Our trustee services are offered on a fee basis as an annual fee ranging from $2,000 to $6,000, with
any extraordinary or non-routine trustee work billed separately at $250 per hour under the agreement.
Fees are negotiated at the firm's disrcretion depending on the complexity of the trust, the assets
...

Item 7 Types of Clients
We offer investment advisory services to individuals (other than high net worth individuals), high net
worth individuals, pension and profit sharing plans (but not the plan participants), state or municipal
government entities and corporations or other businesses not listed above.

In general, we do not require a minimum dollar amount to open and maintain an advisory account;
however, we have the right to terminate your Account if it falls below a minimum size which, in our sole
opinion, is too small to manage effectively.

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.