Quillu Inc

Item 5.        Fees and Compensation

Monthly and Annual Fees

OctaveWealth charges an administration and service fee of $200 per month per plan and $9 per
month per employee. For example, a plan with 10 employees and $100,000 in assets would pay
$290 a month in administration and service fees. The sponsoring employer can elect to pay the
administration and service fee on behalf of employees, or ask employees to pay some or all of the
fees. These fees are billed on a monthly basis and are charged one month in-arrears.

The custodian, Matrix Trust Company, charges a 0.03% annual fee which is calculated and
deducted from plan assets on a quarterly basis at 1/4 of the annual stated rate based on the account
balance on the last day of each quarter.

OctaveWealth may negotiate fees on an individual sponsoring employer basis at its discretion.
Fees may be modified from time to time with not less than thirty (30) days written notice.
OctaveWealth provides a final, detailed fee schedule to the sponsoring employer attached to the
service agreement and to plan participants upon enrollment and on an annual basis.

Fees Relating to Terminations and Withdrawals

The sponsoring employer can terminate their relationship with OctaveWealth by emailing or
mailing a service termination letter. Services will be terminated as of the close of the calendar
quarter in which the service termination letter is sent, providing no less than thirty days notice is
given. If less than 30 days notice is given, the service will terminate at the close of the first month
of the next quarter.

Expenses

OctaveWealth strives to offer the simplest pricing possible; we will not charge Clients any
brokerage fees for trades on their account, provided their trading activity (number of buy and sell
transactions) in a single month does not breach our fair-usage limits. These limits are in place to
restrict Clients from using the OctaveWealth trading platform for executing speculative trades
rather than following a long-term investment strategy. Even though OctaveWealth will not charge
transaction or brokerage fees, the third party brokers and/or custodians may have their own fees.

Item 7.        Types of Clients

OctaveWealth offers financial advice for retirement plans and their participants. Clients are not
required to have a certain amount of investment experience, personal wealth or sophistication.
Our Clients generally fall into one of two groups, Plan Administrators and Plan Participants.

Plan Administrators

The Plan Administrator of a small retirement plan is typically an employee of the company
offering the plan, but for larger plans it may hire an external Professional Plan Administrator.
This individual or committee has overall responsibility for the day-to-day affairs and strategic
decisions of the plan.

In the capacity of Plan Administrator, this individual seeks to.

   1. Select an appropriate set of investment options that participants can invest their
      retirement accounts in, the Investment Menu. Generally they will want to offer a broad
      range of asset classes from different geographic regions to allow participants to build a
      diverse portfolio;

   2. Select at least three default investment alternatives that participants’ assets will be
      invested in, each at a different level of risk. Typically, a default investment alternative
      will be a mutual fund such as a Target-Date fund, but our Clients may instead want us to
      build a custom portfolio from the investments in the plan’s investment menu.

The Plan Participant

A Plan Participant is an employee of the company who has chosen to participate in the plan. This
individual seeks to invest their retirement account into investments from the plan’s Investment
Menu.