Optivest Inc

Item 5 Fees and Compensation

MONEY MANAGEMENT FEE SCHEDULES

Optivest Portfolios:
 Assets Under Management              Annualized Fee
 First $1,000,0000                    1.25%
 $1,000,000 to $5,000,000             1.00%
 $5,000,000 to $25,000,000            0.75%
 $25,000,000 to $50,000,000           0.50%
 $50,000,000 to $75,000,000           0.45%
 $75,000,00 to $100,000,000           0.40%
 Over $100,000,000                    0.35%

We consider any investment/product we research, recommend and direct clients to invest in as an asset
we are responsible for either management of (discretionary securities) or reporting and monitoring on
(non-discretionary assets/securities). Securities are offered through Gramercy Securities, Inc. but could
be purchased through other broker/dealers not affiliated with Optivest. We provide continuous and
regular supervision of all such client investments and count these investments as assets we manage.
We offer to track and report on other client assets (self-managed), such as personal residences,
businesses, collectibles, or other assets that we did not recommend the purchase of for full-balance sheet
and net worth calculation purposes, but we do not consider those assets to be under our management.

We aggregate accounts to receive breakpoints, then allocate the respective fees to each appropriate
account. All accounts for members of your family or related businesses will be assessed fees based on

the total balance of all accounts, e.g., per household. Fees are determined based on the value of account
assets under management calculated by our portfolio reporting in conjunction with the designated
custodian on the average daily balance. Assets under management include assets not held at the
designated custodian.

Compensation Arrangements:

Portfolio Management fees will be billed in one of two ways.

1. Fees will be directly deducted quarterly from your account at the custodian within thirty (30) days
   following the end of the quarter. We will send the qualified custodian written notice of the amount of
   the fee to be deducted from your account.

     We and/or the custodian shall provide written notice/invoice documentation reasonably supporting
     the determination of the investment advisor fees. The custodian will send to you a quarterly account
     statement that shows the amount of our advisory fee, the value of your assets upon which the fee
     was based, and the specific way the fee was calculated. We will verify that the custodian sends
     account statements on a quarterly basis.

         Or

2.   Fees will be directly invoiced quarterly within (30) days following the end of the quarter.

You should compare invoices for advisory fees to the corresponding custodian statement. Statements
should be received from the custodian no less than quarterly. If statements are not received, contact us
immediately.

     Our fees are based on the percentages listed in the Fee Schedule on the average daily balance
     through the calendar quarter custodial statement. Fees for the initial quarter will be adjusted pro-rata
     based upon the number of calendar days in the calendar quarter that the Agreement goes into effect.

     Fees are calculated by multiplying the assets under management market value by the relevant
     percentage and dividing the resulting sum by four (4). Accounts opened in mid-quarter will be
     assessed at a pro-rated management fee.

Other Fees Received:

With discretion we donate a percentage of all gross revenue collected by Optivest, such as advisory fees,
commissions, financial planning fees, reporting and monitoring fees, fee split revenues, and referral fees
to charitable causes.

Optivest will receive a pro-rata share of revenue generated by affiliated representatives of Optivest to be
applied towards agreed-upon shared office expenses.

Additional Types of Fees or Expenses:
Portfolio Management fees do not include the cost of custodial services for individual retirement accounts
for qualified retirement plans. Transaction costs are not commissions. They are clearing costs charged
by the designated clearing firm on the account. In a non-wrap account, you would be charged these fees
by the custodian in addition to our management fee. Additional fees may be incurred while the funds are
in a money market fund or other no-load fund. These fees are charged and collected by the mutual funds
and are not refundable to the Client. There may be residual compensation from legacy positions.

Termination
You have the right to terminate the contract without penalty at any time within five (5) business days after
the effective date of the contract. Either party can terminate the Management Agreement at any time and
for any reason, upon thirty (30) days' written notice to the other party. Upon notice of termination, we will
await further instructions from you as to what steps you request to liquidate and/or transfer the portfolio

and remit the proceeds. Upon receiving instructions, we will instruct broker-dealers, mutual fund
sponsors, and others to liquidate and/or transfer the portfolio and remit proceeds back to you or a
designated third party. A refund of our unearned Management Fees will be made on a prorated basis
from the time of termination.

RETIREMENT ACCOUNTS DOL DISCLOSURE
We are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act of 1974
(“ERISA”) and/or the Internal Revenue Code (“Code”), as applicable, when we provide investment advice
regarding portfolio assets held in an IRA, Roth IRA, Archer Medical Savings Account, a Plan covered by
ERISA, or a plan described in Section 4975(e)(1)(A) of the Code (collectively referred to collectively
sometimes herein as (“Retirement Accounts”). To ensure that Optivest adheres to fiduciary norms and
basic standards of fair dealing, we are required to give advice that is in the "best interest" of the retirement
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Item 7 Types of Clients

Client Base: Our customer base consists of individuals, high net worth individuals, trusts, estates,
charitable organizations, foundations, corporations or other business entities, IRAs, college savings
accounts, and pension and profit-sharing plans. These are the types of clients that we service, but we
may not have all these types as current clients at any one time.

Conditions for Account Management: We do not impose a minimum account size of assets or other
conditions for starting or maintaining an account with our Firm.