SkyOak Capital Inc

Item 5            Fees and Compensation
As set forth below, client fees depend upon the scope of each client’s level of engagement. SkyOak offers
its services on a fee basis which can include any combination of the following:

      •   Investment Management Services based on the amount of investable assets under
          management.
      •   Financial Planning or Financial Consultations based on a fixed, hourly or recurring fee.
      •   Personal Wealth Manager Services or Family Office Services based upon a percentage of assets
          or net worth. This fee can be fixed and/or based on an hourly charge.
      •   Self-Directed IRA Services and Administration based on the amount of self-directed assets.
      •   Corporate Retirement Services based on the amount of plan assets under management.
      •   Other services fees which are more unique or one-off and depend upon the special needs of the
          client. Each of these fees, if and when they arise, will be disclosed to clients.

Investment Management Services Fees

For its investment management services, SkyOak charges an annual fee based on a percentage of
investable assets under management. SkyOak’s annual investment management fee is prorated and
charged monthly, in advance, based upon the market value of the assets on the last day of the previous
monthly assessment date. For new accounts, SkyOak charges a fee based on the value of assets placed in
the account, prorated to the portion of the month during which the assets were under management by
the Firm.

   SkyOak’s Investment Management Fee Schedule Based on Market
   Value of Client Assets Placed Under Management*                                Annual Fee Rate
   Under $1,000,0000                                                         1.25% with a minimum
                                                                             annual fee of $2,400
   Next $1,000,000 up to $2,500,000                                          1.00%

   Next $2,500,000 up to $10,000,000                                         0.80%

   All Assets above $10,000,000                                              0.65%

   Minimum Annual Fee                                                        $2,400

   Basic Financial Planning up to 20 hours a year is included in fee

Services provided for the above fees are for basic planning, investment advice, asset management, due
diligence, monitoring of investments, reporting of asset holdings, valuations and performance reviews.
The Investment Management and Service Agreement is effective as of the date signed by the client.

To the extent that a client authorizes the use of margin, and margin is thereafter employed by our
portfolio managers in the management of the client’s portfolio, the market value of the client’s account
and corresponding fee payable by the client to SkyOak could be increased. In addition to understanding
and assuming the additional principal risks associated with the use of margin, clients using margin are
advised of the potential conflicts of interest whereby the client’s decision to employ margin could
correspondingly increase the management fee payable to the Firm. Accordingly, the decision as to
whether to employ margin is at the sole discretion of client.

Financial Planning and Financial Consulting Services Fees

For its financial planning and other financial consultation services that are apart from or beyond its
investment management services, SkyOak charges fees that are dependent upon the complexity of a
client’s requirements, the number of meetings, client objectives and the extent to which outside
professionals are consulted for estate planning, accounting and other professional services. Fees are
assessed in accordance with the following schedule:

  SkyOak’s Financial Planning & Financial Consulting Fee Schedule

  Initial Financial Plan                                                     $1,500- $10,000

  Annual Retainer for Ongoing Financial Planning Engagement                  50% of Initial Plan Cost

  Hourly Financial Planning or Consulting                                    $300-$600 / Hour

  Retainer Payable upon Commencement of Agreement                            50%

A retainer equal to 50% of the estimated fees is payable at the commencement of the financial planning
or other financial consultation. Ongoing fees are payable as invoiced and/or automatically charged
annually. Additional consulting services and fees will be governed by a separate agreement and no
charges will be assessed to the client without his or her consent. Client consent is effective as of the date
the client signs the agreement.

Private Wealth Manager Services & Family Office Services Fees

SkyOak’s Private Wealth Manager (PWM) and Family Office services fees are calculated as annual flat
fees, hourly fees, a percentage of net worth or as a combination of any of these fee calculation methods,
depending upon the services provided. We assess a minimum fee of $25,000 per year. Hourly and flat
fees are dependent upon the complexity of a client’s requirements, the number of meetings, client
objectives, services SkyOak is providing and the extent to which outside professionals are consulted for
estate planning, accounting and other professional services.

If a PWM or Family Office client seeks discretionary asset management by SkyOak in which SkyOak
actively manages or has discretion over trading and making investment decisions, there will be an
additional Investment Management Agreement & fee in addition to the PWM and Family Office services
fee above.

The PWM and Family Office services fee schedule is as follows:

   Private Wealth Manager & Family Office Service Fee Schedule

   Hourly Fee                                                                  $600/hour minimum

   Fixed Annual Fee                                                            $27,500 minimum
...

Item 7            Types of Clients
The Advisor’s Clients shall generally include individuals, high net worth individuals, business entities,
pooled investment vehicles, trusts, estates, charitable organizations, and pension and profit-sharing
plans. The amount of each type of client is available on the Advisor's Form ADV Part 1A.