NPW Inc

Item 5 - Fees and Compensation
Broker-dealers and other financial institutions that hold client accounts are referred to as
custodians. Your custodian determines the values of the assets in your portfolio. Our fee is
calculated based upon the market value of the assets in your account on the last day of the
previous quarter. Fees for the initial quarter are based on the value of your cash and securities on
the date the custodian/broker-dealer receives them and are prorated based upon the number of
calendar days in the calendar quarter that our agreement is in effect.

Most brokers and custodians charge transaction fees to place trades for your account. These fees
are charged by the broker or custodian to cover their costs. Transaction fees vary by broker and
custodian. Please ask us for details on transaction fees and commissions specific to your account.

Our fee schedules are as follows:

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              ELITE PLATFORM
            (Managed - Discretionary)

            AMBASSADOR PLATFORM
         (Separately Managed - Discretionary)

Account fees are negotiable. Some deciding factors are the size of the account and the
complexity of your financial situation or investment strategy.
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You must authorize us in writing to have the custodian pay us directly by charging your account.
For the Elite Platform one-fourth of the annual fee is charged each calendar quarter. The Prestige
Platforms calculate fees daily based on the account’s asset value. The fee is accrued and billed
based on the account agreement (monthly, quarterly or annually). Your custodian/ broker-dealer
will provide you with statements that show the amount paid directly to us. You should review and
verify the calculation of our fees. Your custodian/broker-dealer does not verify the accuracy of fee
calculations.

In addition to our fee and where applicable, you are required to pay other charges such as:
  custodial fees;
  brokerage commissions;
  transaction fees;
  SEC fees;
  internal fees and expenses charged by mutual funds; variable annuities; interval funds, DPPs,
     and exchange traded funds (“ETFs”);
  brokerage account maintenance fees; and
  other fees and taxes on brokerage accounts and securities transactions.
Mutual fund companies and ETFs charge internal fees and expenses for their products. These
fees and expenses are in addition to any advisory fees charged by us. Complete details of these
internal fees and expenses are explained in the prospectuses for each investment. You are
strongly encouraged to read these explanations before deciding to invest any money. You may
ask us any questions you have about fees and expenses.

If you purchase mutual funds through a broker-dealer, you pay a transaction fee that would not be
charged if the transactions were made directly through the mutual fund company. Also, mutual funds
held in accounts at brokerage firms may pay internal fees that are different from funds held at the
mutual fund company. While you may purchase shares of mutual funds directly from the mutual
fund company without a transaction fee, those investments would not be part of our advisory
relationship with you. This means that they would not be included in our investment strategies,
investment performance monitoring, or portfolio reallocations. Please be sure to read the section
titled “Brokerage Practices” which follows later in this Brochure.

With respect to the Elite Platform you must pay our advisory fees on a quarterly basis in advance
of receiving our services. Should you terminate the advisory agreement we have entered into within
five (5) business days from the date the agreement is executed, you will receive a full refund of any
fees paid.

Should either one of us terminate the advisory agreement we have entered into before the end of a
billing period, any unearned fees that were deducted from your account will be returned to you by
us. The amount refunded to you is calculated by dividing the most recent advisory fee you paid by
the total number of days in the quarter. This daily fee is then multiplied by the number of calendar
days in the quarter that our agreement was in effect. This amount, which equals the amount we
earned for the partial quarter, is subtracted from the total fee you paid in advance to determine
your refund.

Some of our Advisors are also representatives of Nour Private Wealth Inc., a Canadian broker-
dealer, regulated by the Investment Industry Regulatory Organization of Canada. Some are also
licensed with Nour Insurance Services Inc. a Canadian insurance company.

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NPW Inc. will share office space and employees with Nour Private Wealth Inc. The advisory
services of NPW Inc. are provided through NPW Inc. and not its related affiliates.

Nour Private Wealth Inc. will not provide brokerage services for the advisory services described in
this Brochure, though NPW Inc. may recommend its investment advisory clients to open a
brokerage account with Nour Private Wealth Inc. Such brokerage accounts will be separate and
distinct from NPW Inc.’s advisory services. For asset management services of NPW Inc., we
recommend clients utilize Interactive Brokers LLC for brokerage and custody services.

A conflict of interest exists when brokerage clients of Nour Private Wealth Inc. are solicited to open
advisory accounts with NPW Inc. because their Advisor will receive additional compensation
through the new arrangement. A similar conflict of interest exists when investment advisory clients
of NPW Inc. are given recommendations to open brokerage accounts with Nour Private Wealth
Inc. As a result of these conflicts of interest, your Advisor has an incentive to recommend the use
...

Item 7 - Types of Clients
We provide advisory services primarily to individuals and businesses. We also provide services to
high net worth individuals and charitable organizations.

We generally require a minimum account value of $1,000,000 for our Elite Platform and $100,000
for our Prestige Platform as a condition for starting and maintaining an advisory relationship. We,
at our sole discretion, may accept clients with smaller portfolios based upon certain factors
including:

    anticipated future earning capacity,
    anticipated future additional assets,
    account composition,
    related accounts, and
    pre-existing client relationships.