Big Sioux Financial Inc

Item 5: Fees and Compensation

Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
 Big Sioux offers direct asset management services to advisory Clients. Big Sioux charges
 an annual investment advisory fee based on the total assets under management as
 follows:

                 Assets Under Management                        Annual Fee
                      Under $100,000                              1.45%
                    $100,001 - $200,000                           1.35%
                   $200,001 to $500,000                           1.10%
                   $500,001 to $750,000                           1.05%
                  $750,001 to $1,000,000                          0.90%
                  $1,000,001 to $3,000,000                        0.80%
                  $3,000,001 to $6,000,000                        0.70%
                      Over $6,000,001                              .65%

 This is a tiered or breakpoint fee schedule, the entire portfolio is charged the same asset
 management fee. For example, a Client with $750,000 under management would pay
 $7,875 on an annual basis. $750,000 x 1.05% = $7,875.
 The annual fee may be negotiable 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.). If Clients hold Certificate of Deposit assets
 or Money Market assets they will not count towards AUM fee breakpoints. Fees are
 billed quarterly in advance based on the amount of assets managed as of the close of
 business on the last business day of the previous quarter. For Clients who open and
 fund an account mid-quarter, fees for the partial quarter will be prorated based on the
 number of days that the Account was open during the period. The initial partial quarter
 will be billed in arrears and included with the billing for the upcoming full quarter
 which is billed in advance.
 Clients do not pay an additional or separate fee for GeoWealth’s services.
 American Funds Service Company (AFS)
 For accounts that fall under the minimum account size and certain employer plans
 the following platform is made available through AFS, where clients are invested in
 portfolios constructed solely of mutual funds managed by American Funds.
 Fees for accounts held at AFS shall be a rate of 1.0% annually. The fees will be billed
 quarterly in arrears. The fees will be calculated by AFS for each quarter period
 ending the last business day of February, May, August and November and shall be
 the product of (i) the average daily net asset value of Client assets invested in shares
 of the Funds through the Program during the quarter; (ii) the number of days in the
 quarter; and (iii) the rate agreed to by the parties divided by the number of days in

the year. The fee shall be paid within thirty (30) days following the end of the
quarter for which such fees are payable.
AFS shall deduct fees from Client accounts to pay Big Sioux.
Lower fees for comparable services may be available from other sources. Clients may
terminate their account within five (5) business days of signing the Investment
Advisory Agreement with no obligation and without penalty. Clients may terminate
advisory services with thirty (30) days written notice. For accounts opened or closed
mid-billing period, fees will be prorated based on the days services are provided during
the given period. All unpaid earned fees will be due to Big Sioux. Additionally, all
unearned fees will be refunded to the Client. Client shall be given prior written notice of
any increase in fees. Any increase in fees will be acknowledged in writing by both
parties before any increase in said fees occurs.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not
exceed 1%. The annual fee is negotiable and may be charged as a percentage of the
Included Assets or as a flat fee. Fees may be charged quarterly or monthly in arrears or
in advance based on the assets as calculated by the custodian or record keeper of the
Included Assets (without adjustments for anticipated withdrawals by Plan participants
or other anticipated or scheduled transfers or distribution of assets). If the services to
be provided start any time other than the first day of a quarter or month, the fee will be
prorated based on the number of days remaining in the quarter or month. If this
Agreement is terminated prior to the end of the billing cycle, Big Sioux shall be entitled
to a prorated fee based on the number of days during the fee period services were
provided or Client will be due a prorated refund of fees for days services were not
provided in the billing cycle.
The fee schedule, which includes compensation of Big Sioux for the services is described
in detail 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. Client may elect to be billed
directly or have fees deducted from Plan Assets. Big Sioux does not reasonably expect to
receive any additional compensation, directly or indirectly, for its services under this
Agreement. If additional compensation is received, Big Sioux will disclose this
compensation, the services rendered, and the payer of compensation. Big Sioux will
offset the compensation against the fees agreed upon under the Agreement.
FINANCIAL PLANNING AND CONSULTING
Big Sioux charges an hourly fee for financial planning. Prior to the planning process the
Client will be provided an estimated plan fee. Services are completed and delivered
inside of thirty (30) days contingent upon timely delivery of all required
documentation. Clients may cancel within five (5) business days of signing an
Agreement with no obligation and without penalty. If the Client cancels after five (5)
...

Item 7: Types of Clients

Description
 Big Sioux generally provides investment advice to individuals, high net worth
 individuals, trusts, estates, or charitable organizations, corporations or business
 entities. Client relationships vary in scope and length of service.

Account Minimums
 In general, we require a minimum asset level of $100,000 to establish an investment
 advisory relationship. This minimum account size may be waived at the Firm’s discretion.