Whitegate Investment Counselors Inc

Item 5      Fees and Compensation

Investment Supervisory Services and Individual Portfolio Management Fees
WICI is normally compensated through fees assessed on the assets we are assigned to manage. WICI’s standard
fee schedule is outlined below:

                                                                    Annual Fee
                                 Size (Value) of Account
                                                                       Rate
                             First $1,000,000                         1.25%
                             Next $2,000,000                          1.10%
                             Next $2,000,000                          1.00%
                             Above $5,000,000                         0.75%

Either party may terminate the contract at any time without cause upon 30 days' written notice without a
termination fee.

Limited Negotiability of Advisory Fees
WICI retains the discretion to negotiate alternative fees on a client-by-client basis. Client facts, circumstances,
and needs will be considered when determining the fee schedule. These include the complexity of the client’s
financial situation, assets to be placed under management, anticipated future additional assets, related
accounts, portfolio style, account composition, concentrated low-cost positions, and reports, among other
factors. The specific annual fee schedule will be identified in the contract between the adviser and each client.
Discounts, not generally available to our advisory clients, may be offered to family members and friends of our
firm's associated persons. As a result, clients could pay different fees.

We may group certain related client accounts to determine the annualized fee.

                                                                                 Whitegate Investment Counselors, Inc.
                                                                                                   Form ADV, Part 2A
                                                                                                     As of 03/30/2026
                                                                                                              Page: 6

Fees are billed quarterly in advance and may either be deducted directly from client accounts or billed directly
to the client.

Other Compensation
Employees of WICI may not accept compensation for the sale of any security or investment product.

Participant Directed 401(k) Profit Sharing Plan Services Fees
Fees, generally a percentage of plan assets, are determined on a case-by-case basis and are based on the (i)
size of the plan, (ii) number of investment options desired, (iii) frequency and extent of reporting desired, and
various other criteria, but are generally lower than the Basic Fee Schedule for full investment advisory services.

Consulting Services Fees
WICI may, on occasion, perform services, including preparation of special reports for certain clients on
investments presented to or managed for those clients by others and for which those clients specifically seek
WICI’s advice, such as tax-deferred annuities and limited partnership or private placement investments. WICI
may prepare such reports as part of its investment supervisory services or may charge an hourly fee at a billing
rate ranging from $300 to $500 per hour. Time for Associates and Other Officers is billed at $150 to $300 per
hour. The client will be billed in arrears based on actual hours accrued.

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. As disclosed above, fees for investment advisory and
portfolio management services are paid in advance of services provided. Upon termination of any account, any
fees billed and paid in advance are refunded pro rata, with no termination fee.

Mutual Fund and ETF Fees: All fees paid to WICI 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 may pay an initial or deferred sales charge if the fund also imposes sales
charges. Generally, such funds are available to WICI clients at Net Asset Value without sales charges or sales
loads. However, some mutual funds may charge redemption fees to restrict frequent trading. 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 transaction
charges imposed by a broker-dealer with which an independent investment manager affects transactions for
the client's account(s). For additional information, please refer to the "Brokerage Practices" section (Item 12) of
this Form ADV.

ERISA Accounts: WICI neither seeks, receives, nor pays to or from brokers or anyone else any commissions,
sales loads, or 12(b)1 fees of any type.

Advisory Fees for Similar Services: Clients should note that similar advisory services may (or may not) be
available from other registered (or unregistered) investment advisers for similar or lower fees.
...

Item 7      Types of Clients

WICI currently provides advisory services to individuals and high-net-worth individuals, pension and profit-
sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. Banks, thrift
institutions, and investment companies could also be clients in the future.

WICI seeks a mutually beneficial relationship with clients. Our minimum assignment is $1,000,000 in managed
assets or $7,500 in annual fees. Accounts may be combined to meet the minimum asset requirement, and the
fee minimum may be waived. The acceptance or retention of a client below the minimum level will be
determined by several factors, including, but not limited to, the client’s total assets potentially available for
management, the client’s choice of custodian, the client’s expected level of service, and pre-existing account
relationships.