Stone Loft Wealth 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 a written
wealth management agreement with the Advisor.

A. Fees for Advisory Services
Wealth management fees are paid quarterly, in arrears, pursuant to the terms of the wealth management agreement.
Wealth management fees are based on the average daily market value of assets under management in the account[s]
during the quarter. Wealth management fees are based on the following incremental fee schedule:

                 Assets Under Management ($)                   Annual Rate (%)
                 Up to $5,000,000                                  0.30%
                 Next $5,000,000 (Up to $10,000,000)               0.20%
                 Over $10,000,000                                  0.10%

The wealth management fee in the first quarter is prorated from the inception date of the account[s] to the end of the
first quarter. 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. All securities held in accounts managed by Stone Loft will
be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to
ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody 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.

B. Fee Billing
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] for each billing period. The amount due is calculated by applying the quarterly rate to the
average of the assets under management with Stone Loft during the quarter. Clients will be provided with a
statement, at least quarterly, from the Custodian reflecting deduction of the wealth management fee. Clients provide
written authorization permitting advisory fees to be deducted by Stone Loft to be paid directly from their account[s]
held by the Custodian as part of the wealth management agreement and separate account forms provided by the
Custodian.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Stone Loft, in connection with
investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities
execution fees charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge
securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the
terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for
mutual funds and other types of investments. The fees charged by Stone Loft are separate and distinct from these
custody and execution fees.

In addition, all fees paid to Stone Loft for investment advisory services are separate and distinct from the expenses
charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in
each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds,
                                             Stone Loft Wealth Management LLC
                                           1109 WIlnor Drive, West Chester, PA 19382
                                          Phone: (610) 812-9867 | Fax: (484) 205-3353
                                                Website: https://stoneloftwm.com

other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible
distribution fee. A Client may be able to invest in these products directly, without the services of Stone Loft, but
would not receive the services provided by Stone Loft which are designed, among other things, to assist the Client
in determining which products or services are most appropriate for each Client’s financial situation and objectives.
Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Stone Loft to
fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information.

D. Advance Payment of Fees and Termination
Stone Loft is compensated for its Wealth Management Services at the end of the quarter in which services are
rendered. Either party may terminate the wealth management agreement, at any time, by providing advance written
notice to the other party. The Client may also terminate the wealth management agreement within five (5) business
days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges
for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the
Client. The Client’s wealth management agreement with the Advisor is non-transferable without the Client’s prior
consent.

E. Compensation for Sales of Securities
Stone Loft does not buy or sell securities to earn commissions and does not receive any compensation for
securities transactions in any Client account, other than the wealth management fees noted above.

Item 7 – Types of Clients

Stone Loft offers investment advisory services to individuals, high net worth individuals, trusts, estates, and
businesses. Stone Loft generally does not impose a minimum relationship size.