Adaptive Financial Consulting LLC

Item 5: Fees and Compensation

A. Fee Schedule

Lower fees for comparable services may be available from other sources.

Portfolio Management Fees

                     Total Assets Under Management             Annual Fees

                     $0 - $2,000,000                           1.00%

                     $2,000,001 - $3,500,000                   0.90%

                     $3,500,001 - $$5,000,000                  0.80%

                     $5,000,001 - $10,000,000                  0.70%

                     $10,000,001 - $20,000,000                 0.60%

                     $20,000,001 –And Up                       0.50%

Fees are paid in advance. The advisory fee is calculated using the value of the assets in the Account on the last
business day of the prior billing period. Upon termination, for any unearned asset-based fees paid in advance, the
fee refunded will be equal to the balance of the fees collected in advance minus the daily rate* times the number of
days elapsed in the billing period up to and including the day of termination. (*The daily rate is calculated by
dividing the annual asset-based fee rate by 365. This a tiered fee schedule.

AFCLLC is authorized to withdraw management fees directly from the Account on a quarterly basis. Because client
fees will be withdrawn directly from client accounts, in states that require it, AFCLLC will: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 verify that the qualified custodian sends invoices to the client.

(C) Send the client a written invoice itemizing the fee upon or prior to fee deduction,
including the formula used to calculate the fee, the time period covered by the fee and the amount of assets under
management on which the fee was based.

These fees are generally negotiable, and the final fee schedule is attached as Exhibit II of the Investment Advisory
Contract. Clients may terminate the agreement without penalty for a full refund of AFCLLC's fees within five
business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the Investment
Advisory Contract generally with 30 days' written notice.

Pension Consulting Services Fees

              Total Assets Under Management              Annual Fees
              $0 - $2,000,000                            1.00%

              $2,000,001 - $3,500,000                    0.90%

              $3,500,001 - $$5,000,000                   0.80%

              $5,000,001 - $10,000,000                   0.70%

              $10,000,001 - $20,000,000                  0.60%

              $20,000,001 –And Up                        0.50%

Fees are paid in advance. The advisory fee is calculated using the value of the assets in the Account on the last
business day of the prior billing period. Upon termination, for any unearned asset-based fees paid in advance, the
fee refunded will be equal to the balance of the fees collected in advance minus the daily rate* times the number of
days elapsed in the billing period up to and including the day of termination. (*The daily rate is calculated by
dividing the annual asset-based fee rate by 365). This a tiered fee schedule.

AFCLLC is authorized to withdraw management fees directly from the Account on a quarterly basis. Because client
fees will be withdrawn directly from client accounts, in states that require it, AFCLLC 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 verify that the qualified custodian sends invoices to the client.

(C) Send the client a written invoice itemizing the fee upon or prior to fee deduction, including the formula used to
calculate the fee, the time period covered by the fee and the amount of assets under management on which the fee
was based.

Clients may terminate the agreement without penalty for a full refund of AFCLLC's fees within five business days of
signing the Investment Advisory Contract. Thereafter, clients may terminate the pension consulting agreement
generally with 30 days' written notice. AFCLLC bills based on the balance on the first day of the billing period.

Financial Planning Fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is between $1,000 and $100,000. AFCLLC may require that
the client pay 50% of the financial planning in advance. Pre- paid financial planning fees are refunded by check if the
plan is not completed before termination is requested.

The fees are negotiable, and the final fee schedule will be attached as Exhibit II of the Financial Planning Agreement.
AFCLLC and the client will ultimately determine the negotiated fixed fee depending on the specific financial planning
services (listed above) that the client requires, the need to take into account dependents or other individuals, the
diversity of client assets to be addressed by the financial plan, as well as conversations with the client. Fixed fees will
be offered to all clients.

Clients may terminate the agreement without penalty, for full refund of AFCLLC’s fees, within five business days of
signing the Financial Planning Agreement. Thereafter, clients may terminate the Financial Planning Agreement
generally upon written notice.

Educational Seminars Fee

AFCLLC will not charge for the educational seminars they offer.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts with client's written
authorization on a quarterly basis. Fees are paid in advance.

Payment of Pension Consulting Fees
...

Item 7: Types of Clients

   AFCLLC generally provides advisory services to the following types of clients:
            ❖       Individuals
            ❖       High-Net-Worth Individuals
            ❖       Pension and Profit-Sharing Plans
            ❖       Corporations or Business Entities

   There is no account minimum for any of AFCLLC’s services.