360 Financial Inc

Item 5: Fees & Compensation
How We Are Compensated for Our Advisory Services

360 Asset Management:

          Assets Under Management             Annual Percentage of Assets Charge
              $10,000 to $199,999                        Up to 1.60%
             $200,000 to $749,999                        Up to 1.50%
            $750,000 to $1,999,999                       Up to 1.20%
           $2,000,000 to $4,999,999                      Up to 0.95%
           $5,000,000 to $9,999,999                      Up to 0.80%
          $10,000,000 to $20,999,999                     Up to 0.65%
          $20,000,000 to $34, 999,999                    Up to 0.50%
          $35,000,000 to $49, 999,999                    Up to 0.40%
               Over $50,000,000                           Negotiable

In general, household totals are taken into account when determining a Client’s fee rate. Our firm’s
fees are billed on a pro-rata annualized basis quarterly in advance based on the value of your account
on the last day of the previous quarter. LPL will make quarterly adjustments for deposits and
withdrawals in client accounts. Unless indicated otherwise in writing, LPL bills on cash. Our fees are
generally negotiable. Fees will generally be automatically deducted from your managed account*. As
part of this process, you understand and acknowledge the following:

   a) LPL Financial as the custodian sends statements at least quarterly to Clients showing all
      disbursements for their account, including the amount of the advisory fees paid to our firm;
   a) The Client has provided authorization permitting fees to be directly paid by these terms;
   b) LPL Financial calculates the advisory fees and deducts them from the Client’s account.

       *In rare cases, we will agree to directly bill clients.

Financial Planning & Consulting:

Hourly Fees
We charge on an hourly fee basis for financial planning and consulting services. The total estimated
fee, as well as the ultimate fee that we charge you, is based on the scope and complexity of our
engagement with you. Our hourly fee is $325. 360 Financial will invoice you at the time of delivery of
the fee and will communicate with you if the estimated hours of financial planning/consulting
services have changed.

Fixed Fees
360 Financial charges a fixed fee for financial planning between $600 and $20,000. The fee is based
on the complexity of a Client’s financial situation and the number of financial goals to be addressed.
The fixed fee is paid quarterly in advance. Clients may pay fees by check or electronic payment.
Client may cancel within five (5) business days of signing Agreement with no obligation and without
penalty. If the Client cancels after five (5) business days, any unearned fees will be refunded to the
Client, or any unpaid earned fees will be due to the firm. The firm reserves the right to waive the fee
should the Client implement the plan through the firm.

Pension Consulting:

We charge on an hourly fee basis for pension consulting services. The total estimated fee, as well as
the ultimate fee that we charge you, is based on the scope and complexity of our engagement with
you. Our hourly fee is $325.

The fee-paying arrangements for pension consulting service will be determined on a case-by-case
basis and will be detailed in the signed Pension Consulting Agreement. The client will be invoiced
directly for the fees.

Other Types of Fees & Expenses

Clients will incur transaction charges for trades executed in their accounts. These transaction fees
are separate from our fees and will be disclosed by the firm that the trades are executed through. LPL
Financial offers a trading platform with select exchange traded funds (“ETFs”) that do not charge
transaction fees. The no-transaction-fee ETF trading platform is available to clients participating in
LPL Financial’s Strategic Wealth Management (“SWM”) and Strategic Asset Management (“SAM”)
programs. Clients will be subject to transaction fees charged by LPL Financial for ETFs not included
in LPL Financial’s platform and for other types of securities. The limited number of ETFs available on
LPL Financial’s no-transaction fee platform may have higher overall expenses than other types of
securities and ETFs not included in the platform. Other major custodians have eliminated transaction
fees for all ETFs and U.S. listed equities, so clients may pay more for investing in the same securities
at LPL Financial.

Also, clients will pay the following separately incurred expenses, which we do not receive any part
of: charges imposed directly by a mutual fund, index fund, or exchange traded fund which shall be
disclosed in the fund’s prospectus (i.e., fund management fees and other fund expenses).

Termination & Refunds

We charge our advisory fees quarterly in advance for our 360 Asset Management service. Either party
may terminate the 360 Asset Management agreement by providing written notice to the other party.
Upon notice of termination, we will proceed to close out your account and process a pro-rata refund
of any unearned advisory fees.

Either party may terminate the Financial Planning & Consulting agreement by providing written
notice to the other party at any time before the delivery of a financial plan. For purposes of calculating
refunds, all work performed by us up to the point of termination shall be calculated at the hourly fee
currently in effect. Clients will receive a pro-rata refund of unearned fees based on the time and effort
expended by our firm.

Either party may terminate the Pension Consulting agreement at any time by providing written
notice to the other party. Full refunds will only be made in cases where cancellation occurs within 5
business days of signing an agreement. After 5 business days from initial signing, either party must
provide the other party 30 days written notice to terminate billing. Billing will terminate 30 days
...

Item 7: Types of Clients & Account Requirements

We have the following types of clients:

   •   Individuals and High Net Worth Individuals;
   •   Trusts, Estates or Charitable Organizations;
   •   Pension and Profit Sharing Plans;
   •   Corporations, Limited Liability Companies and/or Other Business Types

We suggest a $500,000 account minimum for our 360 Asset Management service but will make
exceptions on a case-by-case basis. Generally, Financial Planning & Consulting services are included
in our 360 Asset Management service for no additional fee for accounts with at least $500,000.