Secure Asset Management LLC

Item 5 – Fees and Compensation

General Information: Method of Compensation, Early Termination, and Fee Schedule

SAM bases its fees on a percentage of assets under management and solicitor fees from third-
party money managers. Client may cancel via written notice to SAM within five (5) business days
of signing the advisory agreement for a full refund.

Asset Management

Fees for SAM Investment Management Services are negotiable and calculated as an annual
percentage of the total value of investments under SAM’s management. The max total annual fee
is 2%, or 0.50% quarterly.

Third-Party Money Managers Trading Signals

SAM will, at times, utilize trading signals from unaffiliated third-party money managers. In these
instances, SAM will utilize the knowledge, information, and recommendations of third-party
money managers. SAM will gather this information and exercise discretion over the account to
implement the third-party money managers' recommendations. These third-party money

managers do not have access to or control over client accounts. In this capacity, SAM will charge the
following advisory fee:

   Assets Under Management                    Annual Fee                      Quarterly Fee
            All Assets                          0.750%                           0.1875%

A portion of the fee charged above will be paid to the third-party money managers. The fee to the
TPMM may be up to 0.50%, depending on the specific third-party manager chosen.

The above fees are negotiable, and the final Fee Schedule will be set forth in the Investment
Management Services Agreement signed by the client. SAM bills both in advance and arrears as
selected by the client. For fees charged in advance, SAM uses the value of the account as of the
last business day of the prior billing period. For fees charged in arrears, the fee will be calculated
based on the total market value of assets in the account managed by SAM as of the last business
day of the month or quarter, pursuant to the fee agreed to in Schedule C of the Advisory
Agreement. Monthly fees are calculated on the last business day of that month, while for those
accounts billed quarterly, they will be calculated on the last day of March, June, September, and
December. Accounts opened within a given month or quarter are charged a pro rata share at the
end of the current month or quarter, based on the number of days managed in that month or
quarter.

Fees will be adjusted for additions or withdrawals that are greater than $5000 in any given
quarter. The addition or withdrawal will be prorated based on the number of days remaining in
the quarter.

[Pro-rata is calculated by multiplying the annual fee by the account value divided by the number
of days in the month or quarter, divided by 360 days. For example, if the account value was
$100,000 and the account was open for 15 days of the quarter, the calculation would be (2% x
100,000) x (15/360) = $80.00.] Clients shall pay the investment advisory fee within ten (10) days
following the end of the quarter. In the event of termination of the account, SAM will be entitled
to a pro rata fee for the number of days that service was provided in the final quarter. This final
fee will be deducted from the account before transfer.

For all asset-based fees paid in advance, the refunded fee will be equal to the balance of the fees
collected in advance minus the daily rate* multiplied by the number of days elapsed in the billing
period; up to and including the day of termination. (*The daily rate is calculated by dividing the
annual asset-based fee by 365.)

In computing the market value of any investment of the Account, each security listed on any
national securities exchange or otherwise subject to current last-sale reporting shall be valued at
the last sale price on the valuation date. The investment advisory fee will be billed directly to the
client’s account at the Custodian. The Custodian will deduct the fee from the account upon
receipt of the invoice, or shortly thereafter. SAM will not be compensated based on the basis of a
share of capital gains or capital appreciation of the assets in the Account.

Automatic Fee Withdrawal

    1. The authorization or agreement will be limited to withdrawing contractually the
       agreed-upon investment adviser fees as authorized in the Investment Advisory
       Agreement.
    2. The frequency of fee withdrawal will be monthly or quarterly.
    3. The custodian of the account will be advised in writing of the limitation of SAM's
       access to the account. This requirement may be satisfied by furnishing to the custodian
       a copy of this agreement.
    4. The custodian will provide the client, not less than quarterly, with a statement
       indicating all amounts disbursed from the account, separately including the amount of
       advisory fees paid. This may be contained in the custodian's regular periodic report to
       the client.

Held-Away Account Management – Pontera

The initial fee shall be charged from the date of inception of Investment Services through the end
of the first calendar period in which the Account is open. Thereafter, fees will be payable monthly
or quarterly, based upon the market value of assets at the end of each period in accordance with
the executed fee agreement.

Selection of Other Adviser Fees

SAM will, at times, utilize the services of third-party money managers and receive a solicitor’s
fee for soliciting clients. SAM’s solicitor fee is typically 1.00%, but like all of SAM’s fees, are
negotiable.

The third-party adviser fees typically may be up to 1.00% annually, and the aggregate fee will not
exceed any limit imposed by any regulatory agency. The exact fee charged by the third-party
adviser will be memorialized in the third-party adviser’s contract, signed by the client. Please see
Item 10 for further description.
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Item 7 – Types of Clients

Description

SAM generally provides portfolio management and financial planning to individuals and pension
consulting to retirement plans. Client relationships vary in scope and length of service.

Account Minimums

SAM has no minimum to open an account.