Vermillion & White Wealth Management Group LLC

Fees and Compensation

Vermillion and White Wealth Management Fee Schedule

     Managed Assets                                       Annual Fee
        Up to $1,000,000                                   1.00% - 1.50%
     $1,000,000 - $5,000,000                               0.60% - 0.90%
      $5,000,000 and over                                      0.40%

VWG negotiates asset management fees within the above-referenced ranges based on the
complexity of the account, the value of the assets, the level of services requested, and other
factors considered at the time the agreement is executed. It is the responsibility of each client
to inform VWG as to the level of financial advice and investment management they are
seeking. VWG will outline to each client their fee structure for the services they provide. Client
fees for investment management and pension consulting services are be based on a percent of
assets managed. Financial planning services and certain non-discretionary investment advisory
services may be offered at a fee of $250.00 per hour. VWG does not offer any commission-
based investment products or services. Commissions may be paid by insurance companies to
VWG’s investment adviser representatives who are licensed insurance producers for any
business conducted by such investment adviser representatives. Clients are not obligated to
conduct insurance business with VWG’s investment adviser representatives, but may be offered
insurance products suitable to the investor’s objectives, time horizons and risk tolerances.
Investment management fees may vary from the schedule due to particular circumstances such
as the size and complexity of the account or if VWG and the client negotiate otherwise.

Investment management fees will be based on a client’s portfolio value on the final day of the
quarter. VWG will be compensated exclusively in quarterly arrears for investment
management. All fees will be paid from the account Custodian on a quarterly basis to VWG.
Prior to having fees withdrawn from a client’s account, VWG will:

(a) Possess written authorization from the client to deduct advisory fees from an account held
   by a Qualified custodian;
(b) Send the Qualified custodian written notice of the amount of the fee to be deducted from
    the client’s account; and

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(c) Send the client a transaction report or statement showing the deduction of the fee, at
    least quarterly, from the qualified custodian.
Assignment of the VWG investment advisory agreement is prohibited without prior consent of
both parties.

Third-Party Money Manager Fees

For Clients who require particular investment management services, VWG may recommend
that Clients authorize the active discretionary management of their assets by Third-Party Money
Managers (as defined above). The terms and conditions under which Third-Party Money
Managers are engaged are set forth in a separate written agreement between VWG or the Client
and the designated Third-Party Money Manager. VWG renders services to the Client relative to
the discretionary and non-discretionary recommendations of Third-Party Money Managers.
VWG monitors and reviews the account performance and the Client’s investment objectives. VWG
receives an annual advisory fee which may be based upon a percentage of the market value of
the assets being managed by the designated Third-Party Money Managers. The annual
advisory fee for Clients’ assets managed by designated Third-Party Money Managers will be the
same as the fee schedule listed above, though VWG reserves the right to reduce its annual fees
where appropriate, particularly where such combined fees may be deemed excessive as
discussed below.

Factors that VWG considers in recommending Third-Party Money Managers are set forth in Item
4 above. The investment management fees charged by the designated Third-Party Money
Managers together with the fees charged by the corresponding designated broker-
dealer/custodian of the Client’s assets are included in VWG’s investment advisory fee set forth
above.

Held Away Account/Pontera Fees. In addition to the Fees detailed above, for Clients who choose
to have VWG manage Held Away Accounts through the Pontera services, Pontera will charge an
additional .3 percent (0.30%) on the Held Away Account assets under VWG’s management
annually, which fee shall be charged consistent with the Fees described above (hereinafter “the
Pontera Fee”). The Pontera Fee payable for any Held Away Account will be deducted directly
from another Client Account, and if there are insufficient funds available in another Client
Account or if VWG believes that deducting the Pontera Fee from another Client Account would
be prohibited or punitive to the Client under applicable law, VWG will invoice the Client directly.

Fees for assets under management including Held Away Assets will be combined and will be
charged at the marginal rate for the combined assets. All fees for Held Away Assets will be
deducted from non-qualified accounts or will be invoiced to the Client in accordance with
applicable IRS regulations.

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