MOS Capital Inc

Item 5 - Fees & Compensation
        Our Fee Schedule. The specific manner in which MOS charges advisory fees is established in Schedule A of
        your Client Investment Counsel Agreement. Fees are billed on a quarterly basis, typically within ten (10) days
        following the end of a calendar quarter. These fees are charged in arrears, and are based on a percentage of the
        market value of your assets under management with us on the last day of the previous quarter (for example, the
        second quarter fee would be based on the market value on June 30th and cover services provided from
        April 1st to June 30th). Advisory services begin on the date you sign the Client Investment Counsel Agreement
        or on the date assets are received into the designated account(s) for management, whichever is later. All fees,
        regardless of account size, are negotiable – and, if applicable, the designated rate will be listed by account
        on your Agreement. In some cases, the negotiation of fees could result in different fees being charged for
        similar services and might be more or less than the stated fee schedule. However, advisory fees generally
        conform to the following schedule:

                           ACCOUNT ASSET VALUE QUARTERLY FEE ANNUAL FEE
                              On first $1,000,000   .1875%      0.75%
                              On next $1,000,000   .1250%       0.50%
                              Over $2,000,000     negotiated
        Household and/or related accounts may be combined for fee purposes on the fee schedule. Fees are negotiated
        based on a number of factors, including the type of account, securities held, strategies implemented, level
        of complexity, the timing of deposits or withdrawals, and the number of portfolio managers overseeing the
        assets. Under certain circumstances, clients receiving similar services may be charged different fees. We
        believe that our services are competitively priced, however lower fees for similar services may be
        available from other sources. Our employee and family-related accounts are charged a reduced fee, or no
        fee. MOS does not charge performance-based fees and will not be compensated on the basis of a share of
        capital gains nor on the capital appreciation of any securities in client portfolios. Either party may
        terminate the Agreement without penalty at any time upon fifteen (15) days written notice to the non-
        terminating party. Any partial period fees earned, but not yet paid, will be due and payable through the
        termination date. MOS reserves the right to amend the fee schedule upon 30 days written notice. The fees
        described above cover our asset management services only.

        MOS will also provide financial planning services on an hourly or fixed-fee basis. The services
        typically include retirement, education, asset allocation, and/or wealth transfer planning, but may also
        address client-specific situations such as risk management, diversification, or hedging strategies. Consideration
        is given to risk tolerance and individual objectives. The consultation may result in a written report or
        referral to others for specific services. Ongoing planning services are available at client request.
SEC Form ADV 2 – March 15, 2026

     Fees for services vary from $100 to $200 per hour or $500 to $1,000 in total cost, and depend upon the nature
     and scope of the advice requested by the client. For example, a basic plan involving education and
     retirement planning would likely fall at the low end of the price range, while a plan offering guidance in
     business succession, concentrated stock diversification, and/or estate planning would fall at the higher end. An
     estimate is provided prior to the rendering of services, and fees are due at the completion of the consultation.
     The fee is waived for clients who enter into an agreement for asset management services with MOS.
     Agreements between MOS and clients for financial planning services may be terminated by either party at
     any time upon written notice. Any planning fee due, but not yet paid, is due at the termination of the agreement.

     Invoice & Billing Policies. Fees for investment management services are charged quarterly in arrears and
     are based on the total market value of assets managed, as evaluated and priced by your securities custodian.
     Fees are based upon an account’s total market value on the last day of the previous calendar quarter. For
     example, an account with $1.2 million in assets would pay $2,125 ($1,000,000 x 0.1875% plus $200,000 x
     0.125%), per the MOS standard management fee schedule. Initial investment advisory fees for the first
     quarter of the client relationship are prorated from the inception date to the end of the first quarter. You
     may elect to be billed directly for fees or authorize MOS to directly debit fees from your account(s) at the
     custodian (typically completed within ten (10) business days of the end of the quarter). You will be provided a
     copy of the invoice and should verify the accuracy of the fee calculations. MOS will reference the value of the
     assets on the billing date, the fee rate, the fee amount, and the method for calculating the fee. Your securities
     custodian(s) will also provide a listing of fee deductions from accounts on monthly or quarterly
     statements, and on some tax reporting statements (1099s), but will not verify the accuracy of
     calculations. Whenever valuation information for specific illiquid, foreign, private or other
     investments is not available through pricing services or custodians, MOS and the Client will formally
     document in writing the method for valuation.

     Brokerage Commissions & Other Fees. MOS’s fees are exclusive of brokerage commissions,
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Item 7 - Types of Clients

        MOS provides investment advice to individuals, trusts, endowments, foundations, businesses, and other money
        management firms. We do impose certain conditions for managing accounts, such as a $1,000,000 minimum
        investment for asset management services. However, the minimum account size is subject to negotiation, and
        could be waived under certain circumstances, such as the account’s relationship to existing clients.

        Considerations for participants in 401k or similar employer-sponsored retirement plans: As part of providing
        our advisory services, we might recommend that you consider withdrawing the assets from your employer's
        retirement plan or other qualified retirement account (provided you have separated from service) and rolling
        the assets over to an individual retirement account. This presents a conflict of interest because persons
        providing investment advice, like MOS, have an incentive to recommend a rollover to you for the purpose of
        generating fee-based compensation rather than solely based on your needs. You are under no obligation to
        complete a rollover, nor are you are under any obligation to have the assets in an IRA managed by us. Many
        employers allow former employees to remain as participants in their retirement plans, which may have
        advantages. In determining whether to complete a rollover, you should consider, at a minimum, the following:
        the selection of investments in the plan, the underlying performance, and the aggregate costs (expense
        ratios); and compare these against the costs and benefits of an IRA and other services offered by MOS. We
        encourage you to speak with your CPA or tax attorney regarding tax implications of certain plan withdrawals.