WH CornerStone Investments Inc

Item 5: Fees and Compensation
Please note, unless a client has received WH Cornerstone’s disclosure brochure at least 48 hours prior to signing
the investment advisory contract, the investment advisory contract may be terminated by the client within five
(5) business days of signing the contract without incurring any advisory fees and without penalty. How we are
paid depends on the type of advisory service we are performing. Please review the fee and compensation
information below.

Financial Planning and Consulting Fees
WH Cornerstone may charge a fixed fee for financial planning and consulting services or may include these as
part of its overall asset-based fee (as described below). These fees are negotiable, but generally range from
$500 to $30,000, depending upon the level and scope of the services and the professional rendering the services.
If the client engages WH Cornerstone for additional investment advisory services, WH Cornerstone may offset
all or a portion of its fees for those services based upon the amount already paid for the financial planning
and/or consulting services.

WH Cornerstone generally requires payment of the financial planning and consulting fee upon entering the
written agreement.

For clients who wish to continue to engage us for ongoing planning assistance we offer ongoing financial
planning and consulting. The fee for this service is ranges from $100 - $12,000 annually, and billed monthly or
quartery, either in advance or arrears, as specific in client agreement. The fee may be negotiable in certain cases.
This service may be terminated with written notice. Upon termination of any account, the fee will be prorated,
and any unearned fee will be refunded to the client.

Investment Management and Wealth Management Fees
WH Cornerstone provides investment and wealth management services for an annual fee based upon a
percentage of the market value of the assets being managed by WH Cornerstone. The annual fee is prorated
and charged monthly in arrears and based upon the market value of the assets being managed by WH
Cornerstone on the last day of the previous month and is calculated as follows:
         Account Value                       Annual Advisory Fee
         First $3,000,000                            1.00%                             (.0833% monthly)
        Next $2,000,000                              0.75%                             (.0625% monthly)
        Next $5,000,000                              0.60%                             (.0500% monthly)
        Next $10,000,000                             0.50%                             (.0417% monthly)
  Amounts above $20,000,000                       Negotiable

Exception: if your total household assets are <$500,000 your annual fee will be 1.65% (.1375% monthly)
subject to a minimum annual fee of $3,000.

The advisory fee is a blended fee and is calculated by assessing the percentage rates using the predefined levels
of assets as shown in the above chart, resulting in a combined weighted fee. For example, an account valued at
$6,000,000 would pay an effective fee of 0.85% with the annual fee of $51,000.00. The monthly fee is
determined by the following calculation: ($3,000,000 x 1.00%) + ($2,000,000 x 0.75) + ($1,000,000 x 0.60)) ÷ 12
= $4,250.00. No increase in the annual fee shall be effective without agreement from the client by signing a new
agreement or amendment to their current advisory agreement.
WH Cornerstone, in its sole discretion, may negotiate to charge a lesser management fee 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, pre-existing client, account retention, pro bono activities,
etc.).

WH Cornerstone’s annual fee is exclusive of, and in addition to brokerage commissions, transaction fees and
other related costs and expenses which are incurred by the client. WH Cornerstone does not, however, receive
any portion of these commissions, fees or costs.

Fees Charged by Financial Institutions
As further discussed in response to Item 12 (below), WH Cornerstone generally recommends that clients utilize
the brokerage and clearing services of an independent broker-dealer for investment management accounts.

WH Cornerstone may only implement its investment management recommendations after the client has
provided WH Cornerstone with all necessary information and authorization relative to its accounts. Financial
institutions include, but are not limited to any broker-dealers recommended by WH Cornerstone, broker-
dealers directed by the client, trust companies, banks etc. (collectively referred to herein as the “Financial
Institutions”).

Clients may incur certain charges imposed by the Financial Institutions and other third parties such as custodial
fees, brokerage commissions and transaction fees, charges imposed directly by a mutual fund or ETF in the
account, which is disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses),
deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other
fees and taxes on brokerage accounts and securities transactions. Such charges, fees and commissions are
exclusive of and in addition to WH Cornerstone’s fee.

WH Cornerstone’s Agreement and the separate agreement with any Financial Institutions may authorize WH
Cornerstone to debit the client’s account for the amount of WH Cornerstone’s fee and to directly remit that
management fee to WH Cornerstone Any Financial Institutions recommended by WH Cornerstone have agreed
to send a statement to the client, at least quarterly, indicating all amounts disbursed from the account including
the amount of management fees paid directly to WH Cornerstone. In addition, WH Cornerstone may send, to
certain clients, an invoice for payment in accordance with applicable regulations.
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Item 7: Types of Clients
WH Cornerstone generally provides its services to individuals and their related accounts. WH Cornerstone may
also provide services to pension and profit-sharing plans, trusts, estates, corporations and business entities.

While WH Cornerstone does not impose a minimum portfolio size or minimum annual fee to start or maintain
an account, WH Cornerstone’s services are designed and best suited for high net worth individuals.