Atlas Fiduciary Services Inc

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more
written agreements with the Advisor.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid monthly in advance pursuant to the terms of the investment advisory agreement.
Investment advisory fees are based on the market value of assets under management at the end of the prior month.
Investment advisory fees range up to 1.00% annually based on several factors, including: the scope and complexity
of the services to be provided; the level of assets to be managed; and the overall relationship with the Advisor.
Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities
may be charged a higher fee.

The investment advisory fee in the first month of service is prorated from the inception date of the account[s] to the
end of the first month. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
AFS will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

                                               Atlas Fiduciary Services, Inc.
                                           214 N. State Street, Concord, NH 03301
                                          Phone: (603) 581-7125 Fax: 603-737-0319
                                                    www.afgplanning.com

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Financial Planning Services
AFS offers financial planning services at an hourly rate ranging up to $450, or on a fixed engagement basis ranging
up to $10,000. Fees may be negotiable based on the nature and complexity of the services to be provided and the
overall relationship with the Advisor. An estimate for total hours and overall costs will be provided to the Client prior
to engaging for these services.

Retirement Plan Advisory Services
Retirement plan advisory fees are paid monthly or quarterly (“Billing Period”) in advance or arrears, pursuant to the
terms of the retirement plan advisory agreement. Retirement plan advisory fees are based on the market value of
assets in the Plan. Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.00%.
Fees may be negotiable depending on the size and complexity of the Plan.

B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] at the beginning of the respective month. The amount due is calculated by applying the
monthly rate (annual rate divided by 12) to the total assets under management with AFS at the end of the prior month.
Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment
advisory fee. Clients are urged to also review and compare the statement provided by the Advisor to the brokerage
statement from the Custodian, as the Custodian does not perform a verification of fees. Clients provide written
authorization permitting advisory fees to be deducted by AFS to be paid directly from their account[s] held by the
Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian.

Financial Planning Services
Financial planning fees are invoiced by the Advisor and are due upon completion of the agreed upon deliverable[s].

Retirement Plan Advisory Services
Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan,
depending on the terms of the retirement plan advisory agreement.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than AFS, in connection with investments
made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees
charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge securities
transaction fees for ETF and equity trades in a Client's account, provided that the account meets the terms and
conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds
and other types of investments. The fees charged by AFS are separate and distinct from these custody and execution
fees.

In addition, all fees paid to AFS for investment advisory services are separate and distinct from the expenses charged
by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s
prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund
expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee.
A Client may be able to invest in these products directly, without the services of AFS, but would not receive the
services provided by AFS which are designed, among other things, to assist the Client in determining which products
or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should
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Item 7 – Types of Clients

AFS offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, and
retirement plans. AFS generally does not impose a minimum relationship size.