RM Private Wealth Management Inc

Item 5 Fees and Compensation

Asset Management Fees
Pursuant to an Investment Advisory contract signed by each client, the client will pay RM Private
Wealth an annual management fee, payable quarterly in advance, based on the value of portfolio
assets of the account managed by the Advisor as of the opening of business on the first business
day of each quarter. The management fee may be adjusted to account for significant contributions
or withdrawals made to the account during the quarter. New account fees will be prorated from
the inception of the account to the end of the first quarter. The management fee may be adjusted
to account for significant contributions or withdrawals made to the account during the quarter.

Management fees range up to 1.50% depending on the type and complexity of the investment
management strategy employed as well as the size of the account or overall client relationship.
Management fees may be reduced or waived for directors, officers, and employees of RM Private
Wealth at the discretion of management. These fees may be negotiated by RM Private Wealth at
its sole discretion. The client will give written authorization permitting the Advisor to be paid
directly from their account held by the custodian. The custodian will send a statement at least
quarterly to the client. The Advisor will send the client a written invoice, including the fee, the
formula used to calculate the fee, the time period covered by the fee, and if applicable, the amount
of assets under management on which the fee was based. The Advisor will send these to the client
concurrent with the request for payment or payment of the Advisor’s advisory fees. We urge the
client to compare this information with the fees listed in the account statement. For situations
where it is impractical to deduct fees directly from the client account, client will be sent an invoice
on a quarterly basis for any outstanding advisory fees due. Checks are accepted for payments of
such invoices.

Hourly Fee
Some clients will contract to have investment advisory advice and/or financial planning advice
provided based on an hourly fee rather than based on the assets under management. The Advisor’s
hourly fee will be billed at a rate of $500 per hour. The Advisors hourly fees will be negotiated
and agreed upon by the parties in advance. Hourly fee-based clients are billed on a monthly basis
upon completion of work performed. Checks are accepted for payments of such invoices. Clients
have the option to purchase investment or insurance products recommended by the Advisor
through other brokers or agents not affiliated with RM Private Wealth. If the financial planning
services are terminated by the client prior to completion of the financial plan or analysis, the client
will be provided with the completed portions of any documents relevant to the contracted services.

Pension Consulting Fees
Plan Sponsor will pay the Advisor as compensation for its services, a consulting fee at an annual
rate of up to 1.50% of assets in the Plan. The consulting fee is payable quarterly, in advance, based
on the fair market value of assets in the Plan at the end of each quarter (not including the Excluded
Assets defined in Pension Consulting Services in Item 4 above. The consulting fee in the first
quarter of the Agreement shall be prorated from the inception date to the end of the quarter. The
Advisor shall invoice the Plan Sponsor for the consulting fee. The Plan Sponsor may, at its
election, submit invoices for this consulting fee to the custodian of the Plan's assets for payment.

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If Client elects to have fees deducted from Plan Assets, Client will grant Adviser the authority to
have fees that are chargeable to the Plan automatically deducted from the Plan’s accounts held by
the recordkeeper (or other custodian of Plan assets, herein referred to as the “Recordkeeper”) and
paid directly to Adviser upon Recordkeeper’s receipt of the billing notice. A quarterly statement
setting forth the fees deducted from the Plan (as well as identifying the amount of funds and of
each security in the account at the end of the period and setting forth all transactions in the account
during that period) shall be provided to the Plan by the Recordkeeper. Client is responsible for
ensuring that such statement is provided.

The Plan Sponsor agrees to payment of these invoices, whether directly from the Plan Sponsor or
from the Plan's custodian, promptly, and, under normal circumstances, by the end of the month in
which the invoice is submitted. Checks are accepted for payments of such invoices. As described
in Item 4, the Advisor’s consulting fee covers services in addition to investment advice or
investment manager recommendations. The fee is in addition to any fees that third-party
investment managers charge for the actual Plan investment management. RM Private Wealth will
periodically evaluate its fees to ensure that its fees are reasonable for the services provided.

Advisor does not reasonably expect to receive any other compensation, direct or indirect, for its
services. If Advisor receives any other compensation for such services, Advisor will (i) offset that
compensation against its contract fees, and (ii) disclose the amount of such compensation, the
services rendered for such compensation, the payer of such compensation and a description of
Advisor’s arrangement with the payer to the Client pursuant to the advisory contract.

The Plan Sponsor and the Advisor may agree, from time to time, that the Advisor be compensated
for additional non-investment related duties outside the normal scope of the pension consulting
agreement on an hourly basis of $500 per hour. In such cases, the additional duties and hourly rate
of compensation shall be agreed to by both parties, in advance, by execution of a separate
agreement. Invoices and terms of payment, in such cases, will be as expressed in the previous
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Item 7 Types of Clients

The Advisor will offer its services to individuals, banks or thrift institutions, pension and profit
sharing plans, trusts, estates, charitable organizations, corporations, and other business entities.

The Advisor’s cumulative minimum account requirement for opening and maintaining an account
is $1 million. However, the Advisor may accept accounts with a lower value at its sole discretion.