Quaker Wealth Management LLC

Item 5:   Fees and Compensation

          A.      Fees Charged

          All investment management clients will be required to execute an Investment Advisory Agreement
          that will describe the type of management services to be provided and the fees, among other items.

          Occasionally, various related client accounts may be grouped together to qualify for reduced advisory
          fees. This format is called "householding". It is the responsibility of the client to verify accuracy of fee
          calculation.

          Financial Planning

          Typically, financial planning is provided to clients as part of asset management services. In the event
          a client requests a stand-alone financial plan, financial planning fees are assessed on a fixed fee basis.
          Fixed fee rates vary from $1,200 to $10,000. The fee range stated is a guide. Fees are negotiable, based
          on the nature of the engagement. Some clients may also engage QWM on a project basis to provide
          advice on isolated matters, such as an evaluation of a client’s employer-sponsored retirement plan.

          For some clients who are also engaging QWM to provide asset management or other services, fees for
          financial planning may be waived.

          Asset Management

          Generally, fees vary from 0.00% (for pro bono clients) to 1.00% per annum of the market value of a
          client’s assets managed by QWM. Fees are negotiable. Factors affecting fee percentages include asset
          value, complexity, number of accounts, etc. All clients, but especially those with smaller accounts,
          should be advised they may receive similar services from other professionals for higher or lower overall
          costs. QWM’s tiered fee schedule is as follows:

                                Assets Under Management                Annual Rate
                                0 - $499,999                             1.00%
                                $500,000-$999,999                        0.85%
                                $1,000,000 and above                     0.65%
                                Certificates of Deposit                  0.25%

          Family CFO

          Family CFO fees are negotiable. Factors affecting fee percentages include asset value, complexity, number of
          accounts, etc. QWM’s tiered Family CFO fee schedule is as follows:
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                        Assets Under Management            Annual Rate
                        Up to $500,000                       0.95%
                        $500,001- $1,000,000                 0.85%
                        $1,000,001- $3,000,000               0.80%
                        $3,000,001- $5,000,000               0.65%
                        $5,000,001- $10,000,000              0.45%
                        $10,000,001 +                        0.30%
                        Certificates of Deposit              0.25%

QWM will cover Tax Professional Fees up to $1500 per year (Letter of Authorization Required). QWM will
cover Estate Attorney Fees up to $2000 of initial document preparation, and up to $1000 per year thereafter
(Letter of Authorization Required).

Pontera

When advising individuals on employee benefit plans pursuant to ERISA, QWM will utilize a platform called
Pontera. Pontera will directly charge QWM .30% AUM quarterly in advance. QWM will pay this charge out
of Client’s pre-existing advisory fee. For example, If Client’s negotiated advisory fee is 1.30% annually,
Client will be charged 1.30% AUM by QWM, and QWM will submit .30% AUM to Pontera, retaining 1% for
QWM.

The asset-based advisory fee payable for any qualified account (as defined below in Item 15, Custody) will be
deducted directly from one of your other custodian/broker-dealer accounts. If there are insufficient funds
available in another account or if QWM believes that deducting the fee from another account would be
prohibited by applicable law, QWM will invoice you. Invoices must be paid within thirty (30) days of receipt
and will bear interest after it becomes due and payable and shall continue to accrue interest until payment is
made at a rate equal to the lesser of either (a) two percent (2%) above the prime rate as reported by Federal
Reserve Bank of New York, located in New York, New York, as of the date such payment was due and
payable, or (b) the maximum rate permitted by applicable law. In the event you terminate QWM’s advisory
agreement, all prepaid advisory fees will be returned to you on a pro rata basis determined by the number of
days remaining in the quarter of termination.

Retirement Plan Consulting Services

Generally, fees are 0.25% to 1.00% per annum of the market value of the plan’s assets under the
direction of QWM. These are the only fees, either direct or indirect, that QWM reasonably expects to
receive from the plan. Fees are negotiable, in the sole discretion of QWM.

B.        Fee Payment

Financial Planning

Generally, fifty percent (50%) of the anticipated financial planning fee will be payable upon signing the
Financial Planning Agreement, with the remaining due upon delivery of the financial plan.

Asset Management

Investment advisory fees will be debited directly from each client’s account. The advisory fee is paid
quarterly, in advance, and the value used for the fee calculation is the gross value as of the last market
day of the previous quarter, including cash allocations. This means that if your annual fee is 1.00%,
then each quarter we will multiply the value of your account by 1.00% then divide by 4 to calculate our
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 fee. Once the calculation is made, we will instruct your account custodian to deduct the fee from your
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Item 7:   Types of Clients

          Clients advised may include individuals, families, trusts, business entities, non-profits, pensions, and
          corporations. QWM requires each client to place at least $250,000 with the firm. This minimum may
          be waived at the discretion of QWM.