Pebble Valley Holdings Inc

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more
written agreements with the Advisor.

A. Fees for Advisory Services
Comprehensive or Base Financial Planning with Investment Management Services
Comprehensive or Base Financial Planning with Investment Advisory fees are paid quarterly, in arrears of each
calendar quarterly, pursuant to the terms of the Comprehensive financial planning with investment advisory
agreement. Comprehensive financial planning with investment advisory fees are based on the market value of assets
under management at the end of the calendar quarter. Comprehensive financial planning with investment advisory
fees are based on the following schedule:

                 Assets Under Management * ($)        Annual Rate (%)
                       Up to the first $1,000,000,          1.00%
                      then on the next 2,000,000,           0.75%
                  then on balances above 3,000,000.         0.50%
                  *A minimum of $500,000 of assets under management is required for this service.

For assets below $500,000, base financial planning with investment advisory fees are based on a fixed annual
planning fee of $2,200 billed quarterly plus the market value of assets under management at the end of each month in
the previous calendar quarter at an annual rate of 0.70% ($750 minimum asset-based fee per year).

The comprehensive or base financial planning with investment advisory fee in the first month of service is prorated
from the inception date of the account[s] to the end of the first month. Fees may be negotiable at the sole discretion of
the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor.
All securities held in accounts managed by PVWM will be independently valued by the Custodian. The Advisor will
conduct periodic reviews of the Custodian’s valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Investment Management Services
Investment advisory fees are paid quarterly, in arrears of each calendar quarterly, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are based on the market value of assets under
management at the end of the calendar quarter. Investment advisory fees are based on the following schedule:

                 Assets Under Management * ($)        Annual Rate (%)
                       Up to the first $1,000,000,          0.75%
                      then on the next 2,000,000,           0.60%
                  then on balances above 3,000,000.         0.45%
                  *A minimum of $250,000 of assets under management is required for this service.

For assets below $250,000, an Investment Management Service is available using only exchange-traded funds and
no option strategies with the same fee structure above but a minimum of $750 per year, billed quarterly.

                                             Pebble Valley Wealth Management
                                     4365 Lawn Avenue, Suite 5, Western Springs, IL 60558
                                                    Phone: 708-246-2366
                                                https://www.pvwealthmgt.com/

The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
PVWM will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Financial Planning Services
PVWM offers financial planning services for a fixed engagement fee ranging from $4,100 to $10,000 per engagement
based on total net worth and complexity of the Client. Fees may be negotiable based on the nature and complexity of
the services to be provided at the sole discretion of the Advisor. An estimate for total costs will be determined prior to
engaging for these services.

B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the
Custodian or paid directly by the Client. The Advisor shall send an invoice to the Custodian indicating the amount of
the fees to be deducted from the Client’s account[s] or paid directly by the Client at the respective end date. The
amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under
management with PVWM at the end of each quarter plus the quarterly portion of any annual fixed fee if applicable.
Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment
advisory fee. Clients are urged to also review and compare the statement provided by the Advisor to the brokerage
statement from the Custodian, as the Custodian does not perform a verification of fees. Clients provide written
authorization permitting advisory fees to be deducted by PVWM to be paid directly from their account[s] held by the
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Item 7 – Types of Clients

PVWM offers investment advisory services to individuals, high net worth individuals, and retirement plans. PVWM
has different minimum relationship sizes for the various services offered. PVWM generally requires a minimum
relationship size of $500,000 for Comprehensive Financial Planning with Investment Management. For Investment
Management Services, PVWM generally requires a minimum relationship size of $250,000. PVWM does offer
services for relationship sizes below these amounts as discussed in Item 5.