Atwood & Palmer Inc

Item 5       Fees and Compensation
Atwood & Palmer Inc's. published fee schedules (please see below).

              Taxable Accounts                               Tax Exempt Accounts
   $0 - $2 million                  1%            $0 - $2 million                 0.75%
   $2 - $5 million                 0.75%          $2 - $5 million                 0.60%
   $5 - $10 million                0.55%          $5 - $10 million                0.35%
   Over $10 million                  ***          Over $10 million                  ***

*** Investable assets over $10 million, a flat rate can be calculated based on each client’s
unique situation.

For donor advised funds, whereby Atwood & Palmer serves as investment adviser, the firm will
charge an annual management fee of 0.45% on charitable assets. Atwood & Palmer reserves
the right to waive such fees.

For new clients, Atwood & Palmer has a minimum requirement of $2 million of investable assets.
We will look at your entire family relationship when taking the minimum requirement into
consideration. In certain circumstances, this minimum can be waived.

Atwood & Palmer, Inc.'s discretionary Investment Management Agreement authorizes the
deduction of client management fees directly from the client account(s) at the custodian, or, to
invoice the client directly.

Atwood & Palmer Inc. may, for the benefit of the client(s), group related client accounts together
to determine the annualized fee.

Atwood & Palmer Inc. calculates and invoices its management fees on a quarterly basis, in
arrears, based on the average daily market value of the preceding three months.

Accounts initiated or terminated during a calendar quarter may be charged a prorated fee.
Atwood & Palmer, Inc.'s advisory agreement provides that the client may terminate the
agreement upon notice to Atwood & Palmer, Inc.

Limited Negotiability of Advisory Fees: Although Atwood & Palmer, Inc. has established the
aforementioned fee schedule(s), we retain the discretion to negotiate alternative fee
arrangements on a client-by-client basis. We may negotiate our investment management fee
based upon certain criteria (e.g. historical relationship, type of assets, anticipated future earning
capacity, anticipated future additional assets, dollar amounts of assets to be managed, related
accounts, account composition, negotiations with clients, etc.).

Termination of the Advisory Relationship: An Investment Management Agreement may

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be canceled at any time, by either party, for any reason upon receipt of 30 days written
notice. Upon termination of any account, any unpaid fees will be charged to the account or
billed to the client directly. The final management fee will be calculated on a prorated basis,
accounting for the number of days in the billing period.

Outside Fund Fees: All fees paid to Atwood & Palmer, Inc. for investment advisory services
are separate and distinct from the fees and expenses charged by any mutual fund, outside
fund manager, or exchange traded fund. The details of the fees and expenses can be found
in each fund's prospectus. These fees will generally include a management fee, other fund
expenses, and occasionally a distribution fee. If the fund also imposes sales charges,
shareholders may incur an initial or deferred sales charge. Atwood & Palmer, Inc. does NOT
receive commissions or 12b-1 fee compensation.
Additional Fees and Expenses: In addition to our advisory fees, clients are responsible for
any fees and expenses charged by custodians and imposed by broker-dealers, including, but
not limited to, any transaction charges imposed by a broker-dealer. Please refer to the
"Brokerage Practices" section (Item 12) of this Form ADV for additional information.
ERISA Accounts: Atwood & Palmer, Inc. is deemed to be a fiduciary to advisory clients that
are employee benefit plans or individual retirement accounts (IRAs) pursuant to the Employee
Retirement Income and Securities Act ("ERISA"). As such, our firm is subject to specific
duties and obligations under ERISA and the Internal Revenue Code that include, among other
things, restrictions concerning certain forms of compensation.
Prepayment of Fees: Atwood & Palmer, Inc. does not require payment of fees in advance of
services rendered.

Item 7      Types of Clients
Atwood & Palmer, Inc. provides services to individuals, pension and profit-sharing plans,
charitable organizations, corporations, trusts and other business entities.

For new clients, Atwood & Palmer has a minimum requirement of $2 million of investable
assets. We will look at your entire family relationship when taking the minimum requirement
into consideration. In certain circumstances, this minimum can be waived.