Renaissance Holdings LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
 Renaissance charges an annual investment advisory fee based on the total assets under
 management as follows:
                    Assets Under Management                     Annual Fee
                          Up to $500,000                          1.50%
                      $500,001 to $1,000,000                      1.25%
                         Over $1,000,000                          1.00%
 The annual fee is negotiable. The fees are charged monthly in advance and are based on the
 amount of assets managed as of the close of business on the last business day of the
 previous month. Lower fees for comparable services may be available from other sources.
 Clients may terminate their account within five (5) business days of signing the Investment
 Advisory Agreement with no obligation and without penalty. After the initial five (5)
 business days, the agreement may be terminated by Renaissance with thirty (30) days
 written notice to Client and by the Client at any time with written notice to Renaissance.
 For accounts opened or closed mid-billing period, fees will be prorated based on the days
 services are provided during the given period. All unpaid earned fees will be due to
 Renaissance. Additionally, all unearned fees will be refunded to the Client. Client shall be
 given thirty (30) days prior written notice of any increase in fees. Any increase in fees will
 be acknowledged in writing by both parties before any increase in said fees occurs.
 PERFORMANCED-BASED FEES:
 Qualified Clients are charged an asset-based management fee of 0.75% on all assets under
 management and a performance-based fee of 10% on any increase above a high-water
 mark. The annual fee and performance-based fee are negotiable. The annual fees are billed
 monthly in advance and are based on the amount of assets managed as of the close of
 business on the last business day of the previous month. The performance-based fees are
 10% of any increase from the previous year (“high water mark”) and charged annually in
 arrears. The performance fee will be calculated by a Gross Asset Value of the account on a
 start date and be benchmarked to the Net Asset Value of the stated account net of

performance fees. The account would have to achieve the high-water mark valued at the
end of each year in order for the performance fee to trigger (or be applicable). A snapshot
of the value of the account will be taken on the start and end of each year and compared to
the high-water mark. All fees will be deducted from the account via the custodial providers
or billed directly to the Client.
Performance Fee disclaimer: All performance fees are based on a new high-water mark for
any year that is charged.
HIGH-WATER MARK CALCULATIONS:
     • Initial deposit $1,000,000
     • Performance fee is set at 10% of the gain.
     • End of first year balance is $1,075,000.
     • First year performance fee for us is $7,500
     • Calculation: $75,000 x 10% = $7,500.
       New high-water mark is $1,067,500 ($1,075,000 - $7,500)
       • End of second year balance is $1,050,000
       • No performance fee paid
       • High-water mark remains $1,067,500
       • Performance fees will not be charged until the account value goes above the
         high-water mark of $1,067,500
Lower fees for comparable services may be available from other sources. Client may cancel
within five (5) business days of signing Agreement with no obligation and without penalty.
After the initial 5 business days, either party may terminate the advisory agreement by
giving the other party thirty (30) days written notice. Advisory fees are withdrawn directly
from the Client’s accounts with Client-written authorization. For accounts opened or closed
mid-billing period, fees will be prorated based on the days services are provided during the
given period. All unpaid earned fees will be due to Renaissance. Client shall be given thirty
(30) days prior written notice of any increase in fees. Any increase in fees will be
acknowledged in writing by both parties before any increase in said fees occurs.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not exceed
1.00%. The annual fee is negotiable and may be charged as a percentage of the Included
Assets or as a flat fee. Fees may be charged quarterly or monthly in arrears or in advance
based on the assets as calculated by the custodian or record keeper of the Included Assets
(without adjustments for anticipated withdrawals by Plan participants or other anticipated
or scheduled transfers or distribution of assets). If the services to be provided start any
time other than the first day of a quarter or month, the fee will be prorated based on the
number of days remaining in the quarter or month. If this Agreement is terminated prior to
the end of the billing cycle, Renaissance shall be entitled to a prorated fee based on the
number of days during the fee period services were provided or Client will be due a
prorated refund of fees for days services were not provided in the billing cycle.
The fee schedule, which includes compensation of Renaissance for the services is described
in detail in Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees,
however the Plan Sponsor may elect to pay the fees. Client may elect to be billed directly or
have fees deducted from Plan Assets. Renaissance does not reasonably expect to receive

 any additional compensation, directly or indirectly, for its services under this Agreement. If
 additional compensation is received, Renaissance will disclose this compensation, the
 services rendered, and the payer of compensation. Renaissance will offset the
 compensation against the fees agreed upon under the Agreement.
 FINANCIAL PLANNING
 Renaissance charges a fixed fee for financial planning services between $1,500 and $3,000
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Item 7: Types of Clients
Description
 Renaissance generally provides investment advice to individuals, high net worth
 individuals, trusts, estates, corporations or business entities. Client relationships vary in
 scope and length of service.
Account Minimums
 Renaissance does not require a minimum to open an account.