Summit Portfolio Management LLC

Item 5       Fees and Compensation
                          PORTFOLIO MANAGEMENT SERVICES FEES

Clients are charged advisory fees at the beginning of each calendar quarter based on the combined
balances of their managed accounts. Account cash flows are prorated for fees. Our annual fees for
Portfolio Management Services are based upon a percentage of assets under management and generally
range from .50% to 2.0%. Grandfathering of Minimum Account Requirements: Pre-existing advisory
clients are subject to Adaptive's minimum account requirements and advisory fees in effect at the time
the client entered into the advisory relationship. Our firm's minimum account requirements and fee
schedules differ among clients.

The annualized fee for Portfolio Management Services is charged as a percentage of assets under
management, according to the following schedule:

                                     Assets Under Management                  Annual Fee
                                          PER QUARTER                        PER ANNUM
First $250,000                                 .400%                               1.60%
Next $250,000                                  .300%                               1.20%
Next $500,000                                  .225%                               0.90%
Next $4,000,000                                .213%                               0.85%
Next $5,000,000                                .188%                               0.75%
Next $15,000,000                               .138%                               0.55%
Next $25,000,000                               .088%                               0.35%
Next amounts over $50,000,000                  .063%                               0.25%

A minimum of $500,000 of assets under management is required for this service and the minimum
quarterly fee is $1,875.00. This account size may be negotiable under certain circumstances. Adaptive
Wealth Engineering may group certain related client accounts for the purposes of achieving the
minimum account size and determining the annualized fee.

Limited Negotiability of Advisory Fees: Although Adaptive Wealth Engineering has established the
aforementioned fee schedule(s), we retain the discretion to negotiate alternative fees on a client-by-client
basis. Client facts, circumstances and needs are considered in determining the fee schedule. These

include the complexity of the client, assets to be placed under management, anticipated future additional
assets; related accounts; portfolio style, account composition, reports, among other factors. The specific
annual fee schedule is identified in the contract between the adviser and each client.

We may group certain related client accounts for the purposes of achieving the minimum account size
requirements and determining the annualized fee.

Discounts, not generally available to our advisory clients, may be offered to family members and friends
of associated persons of our firm.

                                     FINANCIAL PLANNING FEES

Adaptive Wealth Engineering's Financial Planning fee is determined based on the nature of the services
being provided and the complexity of each client’s circumstances. All fees are agreed upon prior to
entering into a contract with any client.
Typically, a comprehensive plan will cost between $2,500 and $5,000 and will include all or part of a
tax plan, portfolio analysis, insurance needs analysis retirement needs analysis, and estate plan. The fee
for a financial plan is payable in advance. Financial consulting services are also available on an hourly
basis as follows: Principals $500/hour, non- principal advisors $200/hour and administrative staff at
$75/hour. The clients are given up to five (5) business days after signing the Advisory Contract and
receiving a copy of Form ADV Part IIA to unconditionally rescind the contract. Clients may terminate
the agreement at any time, and a refund of the unearned fees will be made, based on the time and effort
expended by Adaptive Wealth Engineering, Inc. before termination. Otherwise, the agreement
terminates upon delivery of any specified reports, or upon performance of specified services.
Financial Planning Fee Offset: Adaptive Wealth Engineering reserves the discretion to reduce or
waive the hourly fee and/or the minimum fixed fee if a financial planning client chooses to engage us for
our Portfolio Management Services.

The client is billed in advance based on our total estimated Financial Planning fees.

                                      GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be canceled at any time, by either
party, for any reason upon receipt of 30 days written notice. Upon termination of any account, any
prepaid, unearned fees will be promptly refunded.

Mutual Fund Fees: All fees paid to Adaptive Wealth Engineering for investment advisory services are
separate and distinct from the fees and expenses charged by mutual funds and/or ETFs to their
shareholders. These fees and expenses are described in each fund's prospectus. These fees will generally
include a management fee, other fund expenses, and a possible distribution fee. A client could invest in a
mutual fund directly, without our services. In that case, the client would not receive the services
provided by our firm which are designed, among other things, to assist the client in determining which
mutual fund or funds are most appropriate to each client's financial condition and objectives. Accordingly,

the client should review both the fees charged by the funds and our fees to fully understand the total amount
of fees to be paid by the client and to thereby evaluate the advisory services being provided.

Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible for the fees
and expenses charged by custodians and imposed by broker dealers, including, but not limited to, any
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Item 7      Types of Clients
Adaptive Wealth Engineering provides advisory services to the following types of clients:

Individual clients, pension and profit-sharing plans, corporations and other business entities.

As previously disclosed in Item 5, our firm has established certain initial minimum account
requirements, based on the nature of the service(s) being provided. For a more detailed understanding of
those requirements, please review the disclosures provided in each applicable service.