Camarda Financial Advisors LLC

Item 5    Fees and Compensation

   A. Investment Management and Advisory Services
         The Registrant’s fees for their standard service level, also referred to as Full Service Financial Planning
         are outlined below. The Quarterly Fee is charged at the inception of the relationship, one quarter in
         advance, based on the value of the Client’s account at inception, and pro rata as appropriate in future
         quarters. Each calendar quarter thereafter, the account(s) will be billed the Quarterly Fee rate outlined
         below, based on the market value of the Client’s assets under management as of the end of the prior
         quarter. Clients are subject to a minimum quarterly fee as indicated in the fee schedule chart below.

         Registrant will include both model portfolio assets and non-conforming assets in determining the market
         value for fee calculation. In addition, as detailed in Item 4, all cash positions shall continue to be
         included as part of assets under management for purposes of advisory fee calculations.

         Clients who will incur the quarterly minimum fee or who wish to place less than $400,000 under
         Adviser’s management should carefully consider, and seek outside advice on, if such fees will deliver
         reasonable value in their situation. Clients are solely responsible for determining whether engaging the
         Registrant for Full Service Financial Planning is and remains appropriate.

                                           Full Service Financial Planning
    Assets Under Management                                      Quarterly Fee                              Annual Fee
   $0 - $500,000.00                         0.625%, subject to $2,500 minimum per quarter                       2.50%
   $500,000.01 - $1,000,000                                     0.50%                                           2.00%
   $1,000,000.01 - $10,000,000                                        0.375%                                    1.50%
   $10,000,000.01 and over                                             0.25%                                    1.00%

Wealth Express is a streamlined portfolio management and financial planning offering that is intended
to be more cost-effective than Full Service Financial Planning for clients with less than $400,000 of
assets under management with the Adviser. Eligible clients may elect this service level by endorsing
the Wealth Express Election addendum when entering into a Letter of Agreement with Adviser.

Clients who have elected Wealth Express will be subject to the fees outlined below. The Quarterly Fee
is charged at the inception of the relationship, one quarter in advance, based on the value of the Client’s
account at inception, and pro rata as appropriate in future quarters. Each calendar quarter thereafter, the
account(s) will be billed the Quarterly Fee rate outlined below, based on the market value of the Client’s
assets under management as of the end of the prior quarter. Clients are subject to a minimum quarterly
fee as indicated in the fee schedule chart below. Should a client who has elected the Wealth Express
service level have a need for additional financial planning or other advisory services that are outside the
scope of the Wealth Express offering, they may choose to engage the Registrant for additional planning
services, for which the hourly fees and plan-based fees as described in the chart below would be billed.

Clients will receive ongoing management of their designated accounts according to the agreed upon
strategy or portfolio, subject to the limitations described in the addendum. Registrant will include both
model portfolio assets and non-conforming assets in determining the market value for fee calculation.
In addition, as detailed in Item 4, all cash positions shall continue to be included as part of assets under
management for purposes of advisory fee calculations. Investment options may be limited to those
deemed to be appropriate for each account’s respective investable asset value.

Due to the limitations of the Wealth Express service level, clients should carefully consider, and seek
outside advice on, if such fees will deliver reasonable value in their situation. Clients are solely
responsible for determining whether engaging the Registrant for Wealth Express is and remains
appropriate.

                                                    Wealth Express

   Assets Under Management                         Quarterly Fee                                              Annual Fee
       $0 to $400,000.00                0.625%, subject to $1,000 minimum per quarter                           2.50%

                                                      Hourly Fees*
                  *Hourly fees are subject to economic price adjustment increases based on labor cost and inflation
  Financial Planning, Tax Planning, or Strategic Work                                                           $250/hour
  Administrative                                                                                                $50/hour
                                                       Plan-Based Fees
  Estate Plan Prescription – Standard Complexity                                                                      $495
  Estate Plan Prescription – Moderate Complexity                                                                      $795

  Estate Plan Prescription – Advanced Complexity**                                                          $995
  Asset Protection Plan Prescription – Standard Complexity                                                  $295
  Asset Protection Plan Prescription – Moderate Complexity                                                  $395
  Asset Protection Plan Prescription – Advanced Complexity**                                               $495
...

Item 7    Types of Clients

         The Registrant’s clients can generally include individuals, business entities, trusts, estates, charitable
         organizations, pension and profit-sharing plans, endowments, foundations, etc.