BPS Wealth Advisors Inc

Item 5: Fees and Compensation

DESCRIPTION
Services Offered Through SEI Asset Management Program and BPS Wealth Advisors, Inc.
Management Program

Compensation and Fee Schedule

Our standard fee schedule is based on market value of the client's portfolio as follows:

        Amount Invested                  Quarterly Rate                 Annualized Rate
First $500,000                              .2500%                          1.00%
Next $500,000                               .1875%                          0.75%
Next $500,000                               .1250%                          0.50%
Excess of $1,500,000                        .0625%                          0.25%

Fees are based on a client’s total relationship with us. For certain clients, we may reduce fees or
establish a fixed rate fee schedule. Investment Fees are located in Exhibit B of the Client Investment
Advisory Agreement.

AMERICAN FUNDS SERVICE COMPANY F-2 FEE SCHEDULE

American Funds Service Company "AFS" agrees to debit Client accounts at the annual tiered rate
offered by the Firm as follows:

                MARKET VALUE             QUARTERLY RATE    ANNUALIZED RATE

              $0 - $499,999.99               .25%               1.0%

         $500,000.00 - $999,999.99          .2125%              .85%

        $1,000,000.00 - $1,499,999.99       .1875%              .75%

       $1,500,000.00 – $1,999,999.99        .1625%              .65%

          $2,000,000.00 AND ABOVE            .125%              .50%

In the event of a reduction of Account assets during a calendar quarter representing substantially all
of Account assets, prorated fees will be charged based on market value on the date notice is
received.

FEE BILLING
SEI fees are charged in arrears at the end of the calendar quarter based on account values at the end
of each calendar quarter charging one-fourth of the annualized basis points each quarter.

AFS fees charged are calculated by AFS for each quarterly period ending the last business day of
February, May, August and November using the average daily net asset value of assets invested in
the Funds through the Program during quarter divided by the number of days in the year multiplied
by the number of days in the quarter.

Trust/Trustee are usually prorated and charged to the plan participants by the Trust. Should the Trust
or Trustee(s) terminate these services during the quarter, the Trust/Trustee is charged a pro-rated
fee for the quarter.

OTHER FEES
Our management fees are separate from charges assessed by third parties such as broker dealers,
custodians and mutual fund companies. Brokerage and other transaction costs charged by broker
dealers executing transactions and custodians maintaining your assets are in addition to the
management fees and are not negotiable. Investment advisor clients that hold mutual funds in their
portfolio(s) will also pay investment management fees and/or administrative fees. These fees are
paid to the managers of the fund for their role in managing the fund(s) on a daily basis. Mutual funds,
variable annuities and other platforms may assess other fees and expenses such as 12B-1 fees or
commissions in connection with the placement of those funds.

FEES PAID IN ADVANCE AND TERMINATION OF ADVISORY SERVICES
We do not require any prepayment of fees.

Clients may terminate their advisory contract with BPS Wealth Advisors, Inc. in writing at any time.
We recommend you use a mail service where a signed receipt is required. Fees will be charged on a
prorated basis upon termination. We may terminate relationships with clients, in writing, upon 30
days’ notice and our management fee will be charged on a prorated basis. Your death will not
terminate the Investment Management Agreement or authority granted to BPS Wealth Advisors, Inc.
until we have received actual written notification of your death.

ADDITIONAL COMPENSATION
BPS Pension Advisors, Inc. (an affiliate of BPS Wealth Advisors, Inc.) may receive fees related to its
defined benefit and defined contribution plans in its capacity as a "Third Party Administrator or TPA"
for providing administration and consulting services to the qualified Plan Sponsor. These fees
commonly referred to as "TPA Fees" are typically paid by the qualified plan sponsor company.

Item 7: Types of Clients

DESCRIPTION
We specialize in customized portfolio management for individual investors, high net worth
individuals, corporations, defined benefit and defined contribution retirement plans.

ACCOUNT MINIMUMS
BPS Wealth Advisors, Inc. has no account minimums.