Paladin Capital LLC

(Item 5: Fees and Compensation) and in our Investment Proposal and Contract (Schedule
D: Schedule of Fees).
The above fees are negotiable. Fees are assessed quarterly in arrears based on the amount of
the assets managed as of the end of the previous quarter. All management fees are withdrawn
from the Client’s account unless otherwise noted. GI will receive written authorization from
the Client to deduct advisory fees from their account held by a qualified custodian. GI will pay
PC their share of the fees. PC does not have access to deduct Client fees. Clients may terminate
their account within five (5) business days of signing the investment advisory agreement
without penalty or obligation. For terminations after the initial five business days, GI will be
entitled to a pro-rata fee for the days service was provided in the final quarter. GI will pay PC
their portion of the final fee.
Client Payment of Fees
Asset management fees will be deducted by the custodian from the client account.
ERISA fees will be billed according to the ERISA agreement and either deducted from Plan
assets or paid directly by the Plan Sponsor.
Fees for financial plans are payable direct to PC by check or credit card.
Fees for asset management services provided by TPM are deducted from a designated
Client account by TPM to facilitate billing. The Client must consent in advance to direct
debiting of their investment account.

                                            Paladin Capital, LLC

 Additional Client Fees Charged
 Custodians may charge transaction fees on purchases or sales of certain mutual funds,
 equities, and exchange-traded funds. These charges may include Mutual Fund transactions
 fees, postage and handling and miscellaneous fees.
 PC, in its sole discretion, may waive its minimum fee and/or charge a lesser investment
 advisory fee based upon certain criteria (e.g., historical relationship, type of assets,
 anticipated future earning capacity, anticipated future additional assets, dollar amounts of
 assets to be managed, related accounts, account composition, negotiations with clients,
 etc.).
 For more details on brokerage practices, see Item 12 of this brochure.
 Prepayment of Client Fees
 Financial planning clients will be billed at the signing of the agreement.
 Some ERISA plans may be billed in advance.
 If the client cancels after five (5) days, any unearned fees will be refunded to the client.
 External Compensation for the Sale of Securities to Clients
 PC does not receive any external compensation for the sale of securities to clients, but
 investment advisor representatives of PC may receive commissions for the sale of
 securities as registered representatives of unaffiliated broker dealers. This represents a
 conflict of interest because it gives an incentive to recommend products and services based
 on the commission and/or fee amount received. This conflict is mitigated by disclosures,
 procedures, and the firm’s fiduciary obligation to place the best interest of the client first
 and the clients are not required to purchase any products or services. Clients have the
 option to purchase these products or services through another insurance agent or broker
 dealer of their choosing.

Item 7: Types of Clients
 Description
 PC generally provides investment advice to individuals, pension and profit sharing plans,
 trusts, estates, or charitable organizations, corporations or business entities.
 Client relationships vary in scope and length of service.

                                        Paladin Capital, LLC

 Account Minimums
 PC does not require a minimum to open an account, but some third party money managers
 may have minimums which would be disclosed in the documents provided by the third
 party money manager.