Orcam Financial Group LLC

Item 5 - Fees and Compensation

1. Financial Consulting Fees
We provide research and financial consulting services for a fee in accordance with the terms of a written
Financial Consulting Agreement. Our fees do not include brokerage commissions, transaction fees, and
other related costs and expenses. Clients may also incur certain charges imposed by custodians, third
party investment companies and other third parties. These include fees charged by managers, custodial
fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees,
and other fees and taxes on brokerage accounts and securities transactions. Mutual funds, money market
funds and ETFs also charge internal management fees, which are disclosed in the fund’s prospectus. These
fees may include, but are not limited to, a management fee, upfront sales charges, and other fund
expenses. We do not receive any compensation from these fees. All of these fees are in addition to the
consulting fee you pay us. You should review all fees charged to fully understand the total amount of fees

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you will pay. Services similar to those offered by us may be available elsewhere for more or less than the
amounts we charge and lower fees for comparable services may be available from other sources.

You shall also be entitled to terminate this initial Financial Consulting Agreement within five days of the
effective date without penalty. Once a consulting services relationship is established, either party may
terminate the relationship with a 30-day written notice.

Our Financial Consulting Agreement outlines the framework for the investment research and analysis we
provide to you. We will provide analysis and recommendations for investment allocations and portfolios.
Your agreement can encompass a broad spectrum of securities and other investments depending upon
the nature and complexity of your situation and your tolerance for risk.

The following fee schedule applies for new clients who engage us for the DFP service:

          Service                        Minimum Fee
          Discipline Financial Planner   $6,000 Flat Fee Per Year.

Fees are negotiable and may vary based on the complexity of needs.

Based upon your needs, we may also provide annual consultations based upon the above referenced fee
schedule; the schedule reflects fees assessed on an annual basis under such circumstances.

The Financial Consulting Agreement will show the fee you will pay; fees are charged in advance. Fees may
be refundable to the extent the Agreement is terminated prior to our completion of the engagement.. In
the event that you cancel the Agreement, fees are prorated for services rendered up to the time of
cancelation; any remaining portion will be refunded to you. You will be responsible for any unpaid fees
due for services rendered. Investment research and consultations will be provided to you in accordance
with the Agreement, provided that all information needed to prepare the investment plan has been
promptly provided to us. The Financial Consulting Agreement will terminate in accordance with the terms
thereunder.

All recommendations developed by us are based upon our professional judgment. We cannot guarantee
the results of any of our recommendations. You must decide what advice to follow.

2. Asset Management Fees
When it is more cost effective for certain clients we can also provide asset management services for an
asset management fee. This can include many of our legacy AUM clients where the AUM structure is more
cost effective for them. The fee can be a flat fee or is charged based upon the amount of money you
invest. Multiple accounts of immediately related family members, at the same mailing address, may be
considered one consolidated account for billing purposes. Our legacy fee schedule is shown below and
applies to clients who have engaged us based on prior fee arrangements. Certain Clients may pay different
fees depending on the inception of their relationship with us, and other factors.

Payments will be assessed on the balance of the account as of the last day of each quarter, and will be
calculated as follows:

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          Annual Percentage     Portfolio Size (AUM)

                0.35%                 Less Than $2,000,000
                0.25%                 $2,000,000+

The fees shown above are annual fees. You will be billed one fourth of this amount on a quarterly basis.
We bill fees in advance on a quarterly basis. You will authorize the custodian to directly debit fees from
your account held at the custodian and to pay us. Management fees are prorated for each contribution
and withdrawal made during the applicable calendar quarter (with the exception of small inconsequential
contributions and withdrawals). Upon request you will be provided with a quarterly statement from us
reflecting the deduction of advisory fees. Each quarter you will receive a custodial statement that reflects
deduction of advisory fees.

We believe our advisory fees are reasonable considering the fees charged by other investment advisers
offering similar services/programs.
Certain strategies offered by us involve investment in mutual funds. Load and no-load mutual funds may
pay annual distribution charges, sometimes referred to as “12b-1 fees”. These 12b-1 fees come from fund
assets, and thus indirectly from Client assets. We do not receive any compensation from these fees. The
12b-1 fee, deferred sales charges and other fee arrangements will be disclosed upon your request and are
typically described in the applicable fund’s prospectus.

Certain strategies offered by us involve investment in ETFs, which are investment companies whose shares
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