Oregon Pacific Wealth Management LLC

Item 5: Fees and Compensation
     A. Fee Schedule
       The client can engage OPWM to provide discretionary and/or non-discretionary
       investment advisory services on an annual fee basis. The annual fee for investment

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      management is based on the assets we manage. The fee includes both ongoing
      investment management and financial planning. Services include the selection and
      ongoing management of investments, preparation of a financial plan, annual meetings to
      review investments and financial plans, reporting of investment holdings and
      performance, year-end tax reporting for taxable (non-qualified) investment accounts and
      providing updated research to the client regarding OPWM’s views on the market. As
      needed, we also provide coordination between tax preparers, estate planning attorneys,
      and insurance providers. Clients will need to provide a Letter of Authorization to
      OPWM for engagement with any other financial, tax or estate planning professionals, as
      well as to have ongoing communications with client legal professionals.

       Portfolio Management Tiered Fee Structure

                     Assets Under Management            Annual Percentage of
                                                          Assets Charge
                          $0 to $249,999.99                    1.30%

                       $250,000 to $499,999.99                 1.20%

                       $500,000 to $999,999.99                 1.10%

                      $1 Million to $1,999,999.99              1.00%

                      $2 Million to $4,999,999.99              0.85%

                      $5 Million to $9,999,999.99              0.75%

                          Over $10 Million                  Negotiable

       Clients may elect to have OPWM’s advisory fees deducted from their custodial account.
       Both OPWM’s Investment Advisory Agreement and the custodial/clearing agreement may
       authorize the custodian to debit the account for the amount of OPWM’s investment advisory
       fee and to directly remit that management fee to OPWM in compliance with regulatory
       procedures.

       In the limited event that OPWM bills the client directly, payment is due upon receipt of
       OPWM’s invoice via check made payable to Oregon Pacific Wealth Management.

       Payment of Financial Planning Fees
       OPWM offers investment advice or financial planning to Clients on an hourly rate fee. Our
       maximum hourly rate is $250.00 per hour.

       Notwithstanding the above, portfolio management and/or financial planning fees are
       generally negotiable.

    C. Client Responsibility For Third Party Fees
      Clients are responsible for the payment of all third party fees (i.e., custodian fees,
      commissions, brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are
      separate and distinct from the fees and expenses charged by OPWM. Please see Item 12

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       of this brochure regarding broker-dealer/custodian.

     D. Prepayment of Fees
        Portfolio Management Fees
        OPWM’s fees are prorated and paid quarterly, in advance, based on previous quarter end
        value for the initial billing period, the fee is pro-rated for the remainder of the quarter (if
        services commenced in the middle of the calendar quarter), this Pro-rated fee is billed on the
        first business day of the quarter following the commencement of services.

        Clients may terminate the agreement without penalty and fee within five business days of
        signing the agreement.

        The Investment Advisory Agreement between OPWM and the client will continue in effect
        until terminated by either party by written notice in accordance with the terms of the
        Investment Advisory Agreement. Any fees due to a client that have been paid in advance
        will be refunded immediately upon the receipt of an executed Letter of termination. Once
        OPWM receives a letter of request for termination, OPWM will submit a refund of prepaid
        management fees to the custodian. It may take several days for the client to receive the credit
        back into the account based on custodian processing.

        Financial Planning Fees
        Financial planning fees are paid in advance, with the balance to be paid once the financial
        plan is completed. Fees are paid via check or debit from an existing managed brokerage
        account. Either party may terminate the agreement by notifying the other in writing at any
        time. Any fees incurred prior to date of termination will be payable in full. If the client
        terminates their relationship with OPWM before OPWM finishes the client’s written
        financial plan analysis, OPWM will deliver any completed portion of the plan to the client.

     E. Outside Compensation For the Sale of Securities to Clients

     Neither OPWM nor its supervised persons accept any compensation for the sale of securities
     or other investment products, including asset-based sales charges or service fees from the sale
     of mutual funds.

Item 7 Types of Clients
        OPWM’s clients shall generally include individuals, high-net worth individuals, pension and
        profit-sharing plans, business entities, trusts and estates.

        OPWM generally requires an aggregate account minimum of $100,000 for investment
        advisory services. Oregon Pacific Wealth Management, in our sole discretion, may waive
        our account minimum for asset management or charge a lesser advisory fee based upon
        certain criteria (i.e., anticipated future earning capacity, anticipated future additional assets,
        dollar amount of assets to be managed, related accounts, account composition, negotiations

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         with client, etc.).