Panoramic Capital Partners LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Asset Management:

The maximum annual fee charged for this service will not exceed 1.50%. Fees to be assessed will be
outlined in the advisory agreement to be signed by the client. Our firm bills on cash unless indicated
otherwise in writing. Annualized fees are billed on a pro-rata basis monthly in advance based on the
value of the account(s) on the last day of the previous month. Fees are negotiable and will be
deducted from client account(s). Adjustments will be made for deposits and withdrawals during the
month. In rare cases, our firm will agree to directly invoice. As part of this process, Clients understand
the following:

    a) The client’s independent custodian sends statements at least quarterly showing the market
       values for each security included in the Assets and all account disbursements, including the
       amount of the advisory fees paid to our firm;
    b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
       firm will send an invoice directly to the custodian; and

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    c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
       information provided in our statement with those from the qualified custodian will be
       included.

The fees charged for Third Party Manager services shall be in addition to our advisory fees. The Third
Party Managers we recommend will not directly charge you a higher fee than they would have
charged without us introducing you to them. Third Party Managers establish and maintain their own
separate billing processes over which we have no control. In general, they will directly bill
you/deduct from your account and describe how this works in their separate written disclosure
documents.

Comprehensive Portfolio Management:

The maximum annual fee charged for this service will not exceed 1.50%. Fees to be assessed will be
outlined in the advisory agreement to be signed by the client. Our firm bills on cash unless indicated
otherwise in writing. Annualized fees are billed on a pro-rata basis monthly in advance based on the
value of the account(s) on the last day of the previous month. Fees are negotiable and will be
deducted from client account(s). Adjustments will be made for deposits and withdrawals during the
month. In rare cases, our firm will agree to directly invoice. As part of this process, Clients understand
the following:

    a) The client’s independent custodian sends statements at least quarterly showing the market
       values for each security included in the Assets and all account disbursements, including the
       amount of the advisory fees paid to our firm;
    b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
       firm will send an invoice directly to the custodian; and
    c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
       information provided in our statement with those from the qualified custodian will be
       included.

All securities held in accounts managed by us will be independently valued by the Custodian. We
will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing.

The fees charged for Third Party Manager services shall be in addition to our advisory fees. The Third
Party Managers we recommend will not directly charge you a higher fee than they would have
charged without us introducing you to them. Third Party Managers establish and maintain their own
separate billing processes over which we have no control. In general, they will directly bill
you/deduct from your account and describe how this works in their separate written disclosure
documents.

Financial Planning & Consulting:

Our firm charges on a flat or recurring fee basis for financial planning and consulting services. The total
estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our engagement
with the client. Flat fees will not exceed $75,000. The recurring fee to be charged shall not exceed $3,000
per month. The fee-paying arrangements will be determined on a case-by-case basis and will be detailed
in the signed consulting agreement. Our firm will not require a retainer exceeding $1,200 when services
cannot be rendered within 6 months.

Business Consulting:

ADV Part 2A – Firm Brochure                     Page 8                            Panoramic Capital Partners LLC

Our firm charges on a flat or recurring fee basis for business planning and consulting services. The total
estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our engagement
with the client. Flat fees will not exceed $100,000. The recurring fee to be charged shall not exceed
$12,000 per month. The fee-paying arrangements will be determined on a case-by-case basis and will be
detailed in the signed consulting agreement. Our firm will not require a retainer exceeding $1,200 when
services cannot be rendered within 6 months.

Retirement Plan Consulting:

Our Retirement Plan Consulting services are billed on a fee based on the percentage of Plan assets
under management. The total estimated fee, as well as the ultimate fee charged, is based on the scope
and complexity of our engagement with the client. Fees based on a percentage of managed Plan assets
will not exceed 1.00%. The fee-paying arrangements will be determined on a case-by-case basis and
will be detailed in the signed consulting agreement.

Other Types of Fees & Expenses

Clients will incur transaction fees for trades executed by their chosen custodian, either based on a
percentage of the dollar amount of assets in the account(s) or via individual transaction charges.
...

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates and Charitable Organizations;
   • Pension and Profit Sharing Plans;
   • Foundations and Non-Profits
   • Corporations, Limited Liability Companies and/or Other Business Types

Our firm does not impose requirements for opening and maintaining accounts or otherwise engaging
us.