Access Financial Services Inc

Item 5. Fees and Compensation
FEES FOR INDIVIDUAL PORTFOLIO MANAGEMENT
The annual fee for our individual portfolio management service is charged as a percentage
of assets under management with AFS according to the following schedules:

    Balanced and Equity Portfolios
              Portfolio Value               Annual Fee               Quarterly Fee
               First $500,000                 1.00%                    0.2500%
               Next $500,000                  0.85%                    0.2125%
              Next $1,000,000                 0.70%                    0.1750%
              Next $1,000,000                 0.60%                    0.1500%
              Next $2,000,000                 0.40%                    0.1000%
              Over $5,000,000                 0.20%                    0.0500%

Therefore, if a client’s balanced or equity portfolio management account is valued at
$4,000,000, the annual fee would be calculated as follows: ($500,000 x 1.00%) + ($500,000 x
0.85%) + ($1,000,000 x 0.70%) + ($1,000,000 x 0.60%) + ($1,000,000 x 0.40%).

    Fixed Income Portfolios
              Portfolio Value               Annual Fee               Quarterly Fee
               First $500,000                0.500%                   0.12500%
               Next $500,000                 0.425%                   0.10625%
              Next $1,000,000                0.350%                   0.08750%
              Next $1,000,000                0.300%                   0.07500%
              Next $2,000,000                0.200%                   0.05000%
              Over $5,000,000                0.100%                   0.02500%

Therefore, if a client’s fixed income portfolio management account is valued at $1,000,000,
the annual fee would be calculated as follows: ($500,000 x 0.50%) + ($500,000 x 0.425%).
Our annual fee is assessed quarterly, in arrears. This means that clients are charged one-
quarter of the annual fee at the end of each three-month period. The management fee is
based upon the value (market value or fair market value in the absence of market value) of
the client’s account at the end of the quarter. Clients will be invoiced or have their fees
debited from their account in accordance with client authorization.
There is no minimum account value for this service; however, AFS has a minimum annual
fee requirement of $5,000 ($1,250 per quarter) per client household not to exceed 3% of the

client’s household managed portfolio value. AFS reserves the right to waive this minimum
fee when financial planning services are paid for separately. The management fee is not
based on capital appreciation or performance of any type.
A Fixed Income Portfolio, as used above in this Item, is a portfolio with 90% or more of its
value comprised of fixed income securities or fixed-income-related securities, such as
individual bonds, bond mutual funds and ETFs, CEFs, ETNs and/or cash equivalents.

FEES FOR ASSETS HELD AWAY
Fees for these services will be based on a percentage of assets under management. The
annual fee will be negotiable. Fees will be paid in arrears on a calendar quarter basis. Client
will be provided an invoice at the end of the quarter, payable within twenty (20) days of
receipt. Clients may terminate their account within five (5) business days with no obligation.
For termination after five (5) business days, AFS will be entitled to a pro-rata fee based on
the number of days account was managed.

FEES FOR FINANCIAL PLANNING AND FINANCIAL CONSULTING
Financial Planning:
AFS charges an initial fee for analysis and financial projections of $1,000 due upon signing
the Financial Planning and Consulting Agreement. Clients may enter into a fixed fee
financial planning arrangement, which fee is negotiable based on the scope of the project.
Fees will be billed on an hourly basis at a rate of $250-$400 per hour, and Clients are
invoiced monthly.

Financial Consulting:
Financial Consulting fees will be determined based on the nature of the services being
provided, the complexity of each client’s circumstances, and the experience and skill level
of the employee(s) of AFS providing the service. All fees are agreed upon prior to entering
into a contract with the client.
The fees for such services are charged on an hourly basis, typically ranging from $250 to
$400 per hour, and are negotiated directly with the client. We may request a retainer upon
completion of our initial fact-finding session with the client; however, advance payment will
never exceed $1,200 for work that will not be completed within six months. The balance is
due upon completion of the service.
We reserve the discretion to reduce or waive a client’s financial planning or financial
consulting fee if the client chooses to engage us for our portfolio management services.
There is no minimum fee for these services.

FEES FOR ERISA PLAN SERVICES

The annual fees are based on the market value of the Included Assets and will not exceed
1%. Fees are charged quarterly in arrears based on the assets as calculated by AFS of the
Included Assets (without adjustments for anticipated withdrawals by Plan participants or
other anticipated or scheduled transfers or distribution of assets) on the last business day of
the previous quarter. If the services to be provided start any time other than the first day of
a quarter, the fee will be prorated based on the number of days remaining in the quarter. If
this Agreement is terminated prior to the end of the fee period, AFS shall be entitled to a
prorated fee based on the number of days during the fee period services were provided.

The compensation of AFS for the services under this Agreement is described in Schedule A
of the ERISA Plan Agreement. The Plan is obligated to pay the fees, however the Plan
Sponsor may elect to pay the fees. AFS does not reasonably expect to receive any additional
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Item 7. Types of Clients
AFS provides its advisory services, where appropriate, to individuals, high net worth
individuals, trusts, estates, charitable organizations, and retirement plans.
AFS has no minimum asset level for opening and maintaining an account.