Tradewinds Capital Management LLC

Item 5            Fees and Compensation
          INVESTMENT ADVISORY SERVICES
          If a client determines to engage the Registrant to provide discretionary and/or
          non- discretionary investment advisory services on a fee-only basis, the
          Registrant’s annual investment advisory fee shall be based upon a percentage (%)
          of the market value and type of assets placed under the Registrant’s management
          (between 0.40% and 0.90%). The following fee schedule applies to all accounts
          and all assets in all Tradewinds Capital Management accounts unless the account
          qualifies for one of the alternative fee schedules:
          STANDARD FEE SCHEDULE
               0.90% for the FIRST $250,000
               0.85% for the NEXT $250,000 (up to $500,000)
               0.80% for the NEXT $250,000 (up to $750,000)
               0.75% for the NEXT $250,000 (up to $1,000,000)
               0.70% for the NEXT $1,000,000 (up to $2,000,000)
               0.60% for the NEXT $1,000,000 (up to $3,000,000)
               0.50% for the NEXT $2,000,000 (up to $5,000,000)
               0.40% for the VALUES over $5,000,000

          ALTERNATIVE FEE SCHEULDES
          ANNUITY FEE SCHEDULE: Applies to annuity contracts managed by Tradewinds
          Capital Management held at Nationwide in the Monument Advisor Product.
                  0.75% for ALL VALUES

          501(C)(3) CHARITY FEE SCHEDULE: Applies only to accounts held by charitable
          organizations with the 501(c)(3) IRA designation.
                 0.50% for ALL VALUES

           HOMEOWNERS’ ASSOCIATION FEE SCHEDULE: Applies only to accounts held by
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           homeowners’ associations.
                0.50% for ALL VALUES

          EXTENDEND FAMILY MEMBERS FEE SCHEDULE: Applies only to parents,
          grandparents, siblings, children of siblings, aunts or uncles, children of aunts or
          uncles of a currently employed Tradewinds Capital Management advisor and their
          spouses.
                 0.50% for ALL VALUES
          For legacy stock, mutual fund and fixed income positions and all other accounts,
          the fee is 0.00% for all values. ANY QUESTIONS: The Registrant’s Chief
          Compliance Officer, Donald Bradley Pence, remains available to address any
          questions that a client or prospective may have regarding the above fee billing
          practice. Additionally, please review the Registrant’s most current Fee and Billing
          Policy.
          FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
          To the extent specifically requested by a client, the Registrant may determine to
          provide financial planning and/or consulting services (including investment and
          non- investment related matters, including estate planning, insurance planning,
          etc.) on a stand-alone fee basis. Registrant’s planning and consulting fees are
          negotiable, but generally range from $1,000 to $2,000 on a fixed fee basis, and
          from $150 to $225 on an hourly rate basis, depending upon the level and scope of
          the service(s) required and the professional(s) rendering the service(s).
          RETIREMENT CONSULTING
          The Registrant also provides pension consulting services, pursuant to which it
          assists sponsors of self-directed retirement plans with the selection and/or
          monitoring of investment alternatives (generally open-end mutual funds) from
          which plan participants shall choose in self-directing the investments for their
          individual plan retirement accounts. Registrant’s retirement consulting fees are
          negotiable, but generally range from 0.60% to 0.80% of the market value of the
          plan assets, depending upon the level and scope of the service(s) required.
     A. Fee Dispersion: Registrant, in its discretion, may charge a lesser investment
        advisory fee, charge a flat fee, waive its fee entirely, or charge fee on a different
        interval, based upon certain criteria (i.e. anticipated future earning capacity,
        anticipated future additional assets, dollar amount of assets to be managed,
        related accounts, account composition, complexity of the engagement, anticipated
        services to be rendered, grandfathered fee schedules, employees and family
        members, courtesy accounts, competition, competition, negotiations with client,
        etc.). As a result of these factors, similarly, situated clients could pay different fees,
        the services to be provided by the Registrant to any particular client could be
        available from other advisers at lower fees, and certain clients may have fees
        different than those specifically set forth above. The Registrant’s Chief
        Compliance Officer, Donald Bradley Pence, remains available to address any
        questions that a client or prospective client may have regarding the above fee
        determination.
          Clients may elect to have the Registrant’s advisory fees deducted from their
          custodial account. Both Registrant's Investment Advisory Agreement and the
          custodial/clearing agreement may authorize the custodian to debit the account for
          the amount of the Registrant's investment advisory fee and to directly remit that
          management fee to the Registrant in compliance with regulatory procedures. In
          the limited event that the Registrant bills the client directly, payment is due upon
          receipt of the Registrant’s invoice. The Registrant shall deduct fees and/or bill
          clients monthly in arrears, based upon the average daily market value of the
          assets during the previous month.

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Item 7            Types of Clients
          The Registrant’s clients shall generally include individuals, pension and profit-
          sharing plans, business entities, trusts, estates and charitable organizations.
          Registrant, in its discretion, may charge a lesser investment advisory fee, charge a
          flat fee, waive its fee entirely, or charge fee on a different interval, based upon
          certain criteria (i.e. anticipated future earning capacity, anticipated future
          additional assets, dollar amount of assets to be managed, related accounts,
          account composition, complexity of the engagement, anticipated services to be
          rendered, grandfathered fee schedules, employees and family members, courtesy
          accounts, competition, competition, negotiations with client, etc.).
          Please Note: As result of the above, similarly situated clients could pay different
          fees. In addition, similar advisory services may be available from other investment
          advisers for similar or lower fees. Any Questions: Adviser’s Chief Compliance
          Officer, Donald Bradley Pence, remains available to address any questions that a
          client may have regarding its advisory fee schedule.