Paller Financial Services Inc

Item 5: Fees and Compensation

Asset Management Fees
The Client will pay the Advisor compensation for its services under this Agreement. The fee will
be based on the assets being managed by the Advisor and described as an annual percentage charged
on each individual account. One-quarter (1/4) of this percentage will be charged per calendar
quarter.

It will be payable quarterly, in arrears (for the prior calendar quarter), based on the account value as
reported on the Charles Schwab report for the end of the calendar quarter (March 31, June 30,
September 30, December 31).

Each client will be charged a .85bps fee for each account, except for any resources held in cash or
money market which will not incur a fee.

Advisory fees in the first quarter of the Agreement will be based on the value in the account at the
end of the calendar quarter (March 31, June 30, September 30, December 31) and shall be prorated
from the inception date to the end of the quarter for the number of days that the Advisor has
performed services.

The client authorizes the Advisor to withdraw its advisory fee directly from the Client account(s)
held by a qualified custodian.

The Advisor will send an invoice to the client via the SmartVault portal at the same time it sends an
invoice to the custodian outlining the fee to be withdrawn from the Client account(s) along with the
calculation of the fee(s). The custodian will send quarterly statements to the client showing all
disbursements for the Client account(s) held at the custodian, including the amount of the advisory
fee(s).

Expenses related to the ordinary servicing of the account(s), including, custody fees, security
transaction fees, and/or platform fees shall be paid by the Client. Other non-ordinary fees or fees
incurred at the direction of the Client shall be paid by the Client.

Out-of-pocket expenses incurred by the Advisor on behalf of the Client will be passed through for
reimbursement. (Fedex, copies, etc) However, the Advisor reserves the right to absorb these
expenses and not pass them through should it be in the best interest of both parties.

The Advisor shall not be compensated based on a share of capital gains upon or capital appreciation
of the funds in which the Client is invested.

Our goal is to be fair and reasonable, as such; we reserve the right to adjust our fee(s) as necessary
to be competitive in the marketplace. We may modify the terms in this Section prospectively with
at least 30 days prior written notice.

Other
For each of the Advisor's services described above, the Client may terminate these services
within five business days of the effective date of an Agreement signed with the Advisor without

any payment of the Advisor's fee.

All fees paid to Paller for investment advisory services are separate and distinct from the
expenses charged by mutual funds to their shareholders and the product sponsor in the case of
variable insurance products. These fees and expenses are described in each fund’s or variable
product’s prospectus. These fees will generally include a management fee and other fund expenses.

The Client is responsible for all custodial and securities execution fees charged by the custodian
and executing broker-dealer. The Advisor’s fee is separate and distinct from the custodian and
execution fees.

Neither Paller nor its supervised persons accept 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

The Advisor will offer its services to individuals, trusts, estates, charitable organizations, and
corporations or other business entities.

The Advisor does not have cumulative minimum account requirement for opening and
maintaining an account.