Signet Financial Management LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or
more agreements with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly, either in advance of or at the end of each calendar quarter (the
“Billing Period”), pursuant to the terms of the wealth management agreement. Wealth management fees are based
on the market value of assets under management, including cash and equivalents, at the end of the Billing Period.
Wealth management fees are based on the below schedule. Certain legacy Clients may have fee schedules and
methodologies that differ from the above, pursuant to the terms of their wealth management agreement with
Signet.

                                            Signet Financial Management, LLC
                             400 Interpace Parkway, Building C - 2nd Floor, Parsippany, NJ 07054

                                        Phone: (973) 543-6660 | Fax: (973) 543-9033
                                                     www.signetfm.com

                 Assets Under Management ($)                       Annual Rate (%)
                 Up to $500,000                                          1.10%
                 $500,001 and greater                                    1.00%
                 Options Overlay Strategies*                             1.50%*
                * Available to Clients with a minimum of $1 million in assets under management.

The wealth management fee in the first Billing Period of service is prorated from the inception date of the
account[s] to the end of the Billing Period. Fees may be negotiable at the sole discretion of the Advisor. The
Client’s fees will take into consideration the aggregate assets under management with the Advisor within the
respective strategies. All securities held in accounts managed by Signet will be independently valued by the
Custodian. Signet will conduct periodic reviews of the Custodian’s valuations to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to, brokerage fees, transaction fees, and other related costs and
expenses described in Item 5.C. below, which may be incurred by the Client. However, the Advisor shall not
receive any portion of these commissions, fees, and costs.

Use of Independent Managers – As noted in Item 4, the Advisor will implement all or a portion of a Client’s
investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor
does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory
fee as described above. Independent Managers typically do not offer any fee discounts but may have a breakpoint
schedule that will reduce the fee with an increased level of assets placed under management with an Independent
Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure brochure
and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s fee and
the Independent Manager’s fee, will not exceed 2.00% annually.

For assets managed through a third-party platform, the Client is not charged any additional platform fees. The
Advisor bears the cost of the platform in order to service these Client assets. Advisory fees apply to assets
accessed and managed through the platform as part of the Client’s assets under management, as disclosed
above.

Financial Planning and Consulting Services
Signet provides standalone financial planning and consulting services either on a fixed engagement fee or an
hourly basis. Fixed fees range from $1,500 to $7,000. Hourly fees range from $200 to $250 per hour. Fees may
be negotiable depending on the nature and complexity of each Client’s circumstances and the services to be
provided. An estimate for total hours and/or costs will be determined and provided to Clients prior to engaging in
these services.

Retirement Plan Advisory Services
Retirement plan advisory fees are charged at an annual rate of up to 0.50% annually. Fees are generally paid
quarterly, either in advance of or at the end of each calendar quarter, pursuant to the terms of the retirement plan
advisory agreement. Fees are based on the market value of assets under management in the Plan at the end of
the Billing Period.

Sub-Advisory Services – The Investor will enter into a separate agreement with MSCS regarding the assets
allocated to Signet on their TAMP Platform. The Investor will pay a separate fee for MSCS’s services based on
MSCS’s Disclosure Brochure and applicable contract[s] with MSCS. Services provided through the MSCS TAMP
Platform are detailed in Item 4.B. above. Signet’s sub-advisory fees are charged an annual fee of up to 1.00%,
paid monthly or quarterly at the end of each month or quarter, based on the market value of assets placed with
Signet at the end of the prior month or quarter.

B. Fee Billing
Wealth Management Services
Wealth management fees will be calculated by the Advisor or its delegate and deducted from the Client account[s]
at the Custodian. The Advisor or its delegate will instruct the Custodian indicating the amount of the fees to be

                                            Signet Financial Management, LLC
                             400 Interpace Parkway, Building C - 2nd Floor, Parsippany, NJ 07054

                                        Phone: (973) 543-6660 | Fax: (973) 543-9033
                                                     www.signetfm.com

deducted from the Client’s account[s] at the respective Billing Period end date. The amount due is calculated by
applying the Billing Period rate (annual rate divided by four (4)) or [(annual rate divided by the number of days in
...

Item 7 – Types of Clients

Signet offers investment management and related services to individuals, high-net-worth individuals, trusts,
estates, charitable organizations, businesses, and retirement plans. These amounts may change over time and
are updated at least annually by the Advisor.

Signet typically requires a minimum annual fee of $5,500. Further, as noted in Item 5, Clients must have a
minimum relationship size of $1,000,000 in order to engage in certain investment strategies aside from Signet’s
core investment management services.