Runnymede Capital Advisors Inc

Item 5 - Fees and Compensation

Portfolio Management Services
RCAI receives income by charging investment advisory fees in arrears. Normally, RCAI charges clients 1.0%
annually for the assets under its management by deducting its fee monthly in arrears, adjusted for inflows
and outflows. Cash or money market balances are included for fee calculation purposes. RCAI may
negotiate this fee on a client-by-client basis and apply discounts to this fee, in its discretion. Currently,
fees range from 1.50% to 0.50%.
Clients may select to have an invoice prepared and delivered to them for payment in lieu of having the
fees directly debited from their accounts. In addition, from time to time, clients ask for advice on matters
that are not investment management assignments, but RCAI may still be able to lend expertise. In these
situations, clients can negotiate an hourly fee with RCAI for additional advice with the standard hourly fee
starting at $200. Fees are based on a number of variables, including: assets under management, scope
and breadth of services, including customized services or reporting, use of third party managers (if any),
investment objectives, risk tolerances or investment restrictions or other requirements.
In addition to seeking ongoing investment advice, some clients may seek other financial advice such as
liability management. This type of advice would be charged an hourly fee, in addition to the ongoing
investment management fee. Therefore, clients would receive two different services and two different
sets of fees. Not all clients receive this advice, but the advisor remains available to meet with clients.
If RCAI finds itself in a conflict over an asset-based charge and an opportunity, RCAI must disclose the
conflict. For example, if a client asks if a 401(k) plan with the employer could be managed by RCAI, RCAI
will let the client know if that is possible and that the opportunity to manage additional assets for
additional compensation could be a conflict of interest.

Additional Fees and Expenses
In addition to paying a direct management fee to RCAI, clients are likely to pay other costs to have their
funds managed including, but not limited, to internal fees and expenses of mutual funds and exchange
traded funds, transaction fees on certain mutual funds, early redemption fees if certain mutual funds are
sold within a short time period such as 60 or 90 days. Furthermore, holding ADRs or American Depository
Receipts may impose foreign fees and expenses. Equities are charged a trading commission by the
broker–dealer that RCAI may direct. RCAI may recommend a broker-dealer for trade execution, but the
client may direct trades to another broker-dealer if they wish. RCAI does not mark up or mark down the
commission rates. However, RCAI seeks to make all trades on the cheapest platform within the broker-
dealer to get the electronic cost pricing rather than the assisted trade pricing.

Clients must realize that when RCAI uses exchange traded funds, open-end or closed-end mutual
funds that there is a layering of fees. That means RCAI is charging a fee for its investment advice and the
product manager of the product is also charging a fee; thus the client is paying fees to two managers on
the same asset.

Compensation for the Sale of Securities or Other Investment Products
RCAI is not compensated from the purchase or sale of securities or commissions or trades. Any 12b-1 or
other fees from mutual funds are not received or credited to RCAI in any way. Clients can select other
brokers or agents to execute trades which may or may not result in lower fees and may or may not result
in better execution.

Item 7 - Types of Clients
RCAI primarily works for individuals and families. Some of these individuals may have brokerage accounts,
trust accounts, retirement accounts, and college savings accounts. RCAI also does investment work for
501c-3 organizations.

RCAI seeks a minimum annual fee of $1,000 per relationship, not per account, and may waive this
requirement at its sole discretion. There are no minimum requirements for opening an account.