Item 5 Fees and Compensation (continued)
5.E. Refund of any Prepaid Fees and Termination of Service:
1. Financial Planning Service:
AFS guarantees the Client's satisfaction with the Financial Plan. Upon the Initial Presentation of the Plan,
if the Client is not satisfied with the Plan and if AFS is not able to rewrite the Plan to the Client's
satisfaction, then AFS will refund the total of all fees paid. The Client agrees to return the original Plan
to AFS upon obtaining this refund.
The Financial Planning Agreement may be terminated within five (5) business days of its execution
without penalty and AFS will refund all fees paid. This Agreement may also be terminated by Client or
by AFS with a written notice. In this event, AFS would refund any unearned advanced fees to the Client.
Unearned advanced fees are defined as one-half of the Option A Initial Fee, as stated in Section IV -
paragraph one of the agreement, prorated on a monthly basis from the date of the service agreement. The
unearned advanced fees would be the equivalent of the monthly amount times the remaining months
contracted by the service agreement.
2. Investment Management/Supervisory Service:
All notices, requests, demands and other communications required hereunder shall be in writing and
shall be delivered by first class mail or facsimile transmission to each party, AFS at 4700 N. Cloverdale
Road, Suite 101, Boise, ID 83713 and at each client's current address of record, or at such other address
as such party may designate in writing to the other.
This agreement may be terminated by any of the parties effective upon receipt of written notice to the
other parties. Upon termination, Client shall be entitled to a refund of any management fee or deposit not
already earned by AFS. AFS will advise the appropriate custodian, to deliver securities and funds held in
the Account as instructed by Client unless Client requests that the Account be liquidated. If an Account
is liquidated, proceeds will be payable to Client upon settlement of all transactions in the Account.
Termination of the Agreement will not affect the liabilities or obligations of the parties arising out of
transactions initiated prior to termination. Client shall have the right to cancel the Agreement without
penalty within five (5) business days of Client entering into this Agreement by giving written notice of
such cancellation to AFS.
5.F. Investment/Insurance Products recommended by AFS and potential conflict of interest:
To the extent that specific product and/or service recommendations are made by AFS as a part of the
services provided by AFS, although it would be the desire and intent of AFS and/or David A. Wilhite
and/or William H. Overton for the implementation of any recommendations to be done through AFS
and/or David A. Wilhite and/or William H. Overton, clients are not contractually bound to do so.
However, when clients do choose to retain AFS in its capacity of Investment Management services
and/or David A. Wilhite and/or William H. Overton in his capacity as a registered representative and/or
insurance agent, AFS and/or David A. Wilhite and/or William H. Overton will receive usual and
customary fees and/or commissions. Thus, a client is to be aware that although AFS is obligated to
provide unbiased and objective recommendations to their clients and makes every effort to do so, AFS
and/or David A. Wilhite and/or William H. Overton has a potential conflict of interest between their
fiduciary duty to provide unbiased advice and interest in monetary gain. Therefore, clients are strongly
advised to satisfy themselves that, considering the services provided, the fees and/or commissions they
pay are the most favorable under the circumstances. AFS fully discloses its securities related activities,
all of which are publicly traded and widely held, and other brokerage and agency affiliations in its
Service Engagement Letter with the client. The potential conflict of interest is disclosed completely
and is reviewed with the clients prior to consummating the signing of the Agreement.
AFS, where appropriate and after full disclosure to clients required by law, frequently recommends that
clients utilize AFS’s Investment Management services and/or David A. Wilhite’s and/or William H.
Overton’s services in his capacity as a registered representative, and an insurance agent. However,
clients are not under any obligation to engage these services when considering implementation of
advisory recommendations. The implementation of any or all recommendations is solely at the
discretion of the client.