Sage Rhino Capital LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Asset Management:

The maximum annual advisory fee that our firm charges for this service will not exceed 1.50%. Fees
to be assessed will be outlined in the advisory agreement to be signed by the client. Annualized fees
are billed on a monthly basis in advance based on the value of the account(s) on the last day of the
previous month. Fees are negotiable and will be deducted from client account(s). In rare cases, our
firm will agree to directly invoice. As part of this process, Clients understand the following:

    a) The client’s independent custodian sends statements at least monthly showing the market
       values for each security included in the Assets and all account disbursements, including the
       amount of the advisory fees paid to our firm;
    b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
       firm will send an invoice directly to the custodian; and
    c) If our firm sends a copy of our invoice to the client, it will include a statement urging the client
       to compare the information provided in our statement with those from the qualified
       custodian.

Clients using a Sub-Adviser or SMA to aid in the implementation of an investment portfolio designed by
our firm will pay an additional management fee up to 1.00%. Clients should be aware that this fee is
separate from our stated maximum fee published above. The level of the management fee will vary
with the amount of assets under management and the particular investment styles and investment
options chosen or recommended. The combined fees will not exceed 2.50%.

Financial Planning & Consulting:

Our firm charges on an hourly or flat fee basis for financial planning and consulting services. The total
estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our
engagement with the client. The maximum hourly fee to be charged will not exceed $500. Flat fees
will not exceed $250,000. The fee-paying arrangements for will be determined on a case-by-case
basis and will be detailed in the signed consulting agreement. Our firm will not require a retainer
exceeding $1,200 when services cannot be rendered within 6 months.

ADV Part 2A – Firm Brochure                     Page 6                                  Sage Rhino Capital, LLC

Retirement Plan Consulting:

Our Retirement Plan Consulting services are based on the percentage of Plan assets under
management. The total estimated fee, as well as the ultimate fee charged, is based on the scope and
complexity of our engagement with the client. Fees based on a percentage of managed Plan assets
will not exceed 1.50%. The fee-paying arrangements will be determined on a case-by-case basis and
will be detailed in the signed consulting agreement.

Other Types of Fees & Expenses

Clients will incur transaction costs in the form of a percentage of the dollar amount of assets in the
account(s) in lieu of individual transaction charges by your chosen custodian. These transaction fees
are separate from our firm’s advisory fees and will be disclosed by the chosen custodian. Clients may
also pay holdings charges imposed by the chosen custodian for certain investments, charges imposed
directly by a mutual fund, index fund, or exchange traded fund, which shall be disclosed in the fund’s
prospectus (i.e., fund management fees and other fund expenses), initial or deferred sales charges,
mutual fund sales loads, 12b-1 fees, surrender charges, variable annuity fees, IRA and qualified
retirement plan fees, mark-ups and mark-downs, spreads paid to market makers, fees for trades
executed away from custodian, wire transfer fees and other fees and taxes on brokerage accounts
and securities transactions. Our firm does not receive any portion of these fees.

Termination & Refunds

Either Party may terminate the advisory agreement signed with our firm for Asset Management
services by providing written notice to the other party at any time. Upon notice of termination, our
firm will process a pro-rata refund of the unearned portion of the advisory fees charged in advance
at the beginning of the month.

Financial Planning & Consulting clients may terminate their agreement at any time before the
delivery of a financial plan by providing written notice. For purposes of calculating refunds, all work
performed by us up to the point of termination shall be calculated at the hourly fee currently in effect.
Clients will receive a pro-rata refund of unearned fees based on the time and effort expended by our
firm.

Either party to a Retirement Plan Consulting Agreement may terminate at any time by providing
written notice to the other party. Full refunds will only be made in cases where cancellation occurs
within 5 business days of signing an agreement. After 5 business days from initial signing, either
party must provide the other party 30 days written notice to terminate billing. Billing will terminate
30 days after receipt of termination notice. Clients will be charged on a pro-rata basis, which takes
into account work completed by our firm on behalf of the client. Clients will incur charges for bona
fide advisory services rendered up to the point of termination (determined as 30 days from receipt
of said written notice) and such fees will be due and payable.

Commissionable Securities Sales

Our firm and representatives do not sell securities for a commission in advisory accounts.

ADV Part 2A – Firm Brochure                    Page 7                                  Sage Rhino Capital, LLC

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Pension and Profit Sharing Plans;
   • Corporations, Limited Liability Companies and/or Other Business Types.

Our firm does not impose requirements for opening and maintaining accounts or otherwise engaging
us, however engaging with us is at our firm’s discretion.