Campbell Financial Partners LLC

Item 5 - Fees and Compensation

     Description
     Fees for Campbell Financial Partners' services vary, depending upon the scope and complexity of services
     involved. Fees may be based on a percentage of assets under management, hourly charges, project rates, flat/fixed
     fees, or some combination thereof. Fees are negotiable, as further described below.

     For financial planning clients, a fixed or hourly fee is charged for the initial financial planning services a client
     receives. The fee for the initial planning service is predicated upon the facts known at the start of the engagement
     and is set forth in the client's Schedule of Fees. The Schedule of Fees sets forth Campbell Financial Partners' fixed
     and/or hourly fee for the initial financial planning.

     Since financial planning is a discovery process, situations can occur whereby the client is unaware of certain
     financial exposures or situations that significantly affect the level of financial planning and/or consulting needed. In

the event that the client’s situation is substantially different than disclosed at the initial meeting, and additional
planning services are needed that in Campbell Financial Partners' opinion are not covered under the fee quoted, a
revised fee will be provided to the client. The client must approve the change of scope and fee in advance of the
additional work being performed.

The usual fee range for initial financial planning services is $3,000 to $5,000. The amount of the fee depends on the
client’s desired level of service. Some agreements may be priced based on the complexity of work, especially when
asset management is not the most significant part of the relationship.

For clients who elect to receive both financial planning and investment management services, the fee for the initial
quarter of services will typically be a fixed fee encompassing both the initial planning and investment management
services. Thereafter, the client will generally be subject to an asset-based fee in accordance with the fee schedule
below.

Fees for investment management services are according to the following schedule for each indicated tier of assets.
The total fee is the percentage fee from each asset tier added to the next.

                            0.90% on the first $1,000,000; and
                            0.70% on the assets between $1,000,001 and $3,000,000; and
                            0.40% on the assets above $3,000,001 and $5,000,000; and
                            0.30% on assets over $5,000,000

For new clients, the minimum annual fee for investment management is $10,000, or $2,500 per quarter. At times,
Campbell Financial Partners may use a flat fee for investment management, which may be more or less than the
minimum annual fee. Established Client relationships may exist where the fees are higher or lower than the fee
schedules described above.

The hourly billing rate is currently $300.00 per hour for engagements in which hourly billing applies. The hourly rate is
calculated based on 15-minute increments, with a minimum billing of $1,200. This minimum fee may be waived or
reduced at Campbell Financial Partners’ sole discretion based on a variety of factors, including those listed below.

Fee Dispersion
Campbell Financial Partners, in its discretion, may charge a lesser or higher investment advisory fee, charge a flat
fee, waive appliable minimum fee levels, waive its fee entirely, or charge fee on a different interval, based upon
certain criteria (i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of assets
to be managed, related accounts, account composition, complexity of the engagement, anticipated services to be
rendered, grandfathered fee schedules, employees and family members, courtesy accounts, competition,
negotiations with client, etc.). Please Note: As result of the above, similarly situated clients could pay different fees. In
addition, similar advisory services may be available from other investment advisers for similar or lower fees.

Please Note: Conflict of Interest - Campbell Financial Partners shall generally compensate its representatives based
upon a salary. The owners of Campbell Financial Partners also receive a portion of firm profit derived from advisory
billings based on their respective ownership shares. A conflict of interest is presented because the higher the
advisory fee, the greater the representative’s (and Campbell Financial Partners’) compensation.

Fee Billing
Investment management fees are billed quarterly, in advance, meaning that the firm invoices the client at the
beginning of every three-month calendar billing period. The fee is normally deducted from a designated client
account directly by the custodian upon the instruction of Campbell Financial Partners. If a client has more than one
account, the fee may be pro-rated between the accounts or deducted from individual accounts as determined by
Campbell Financial Partners to be in the client's best interest. The client must consent in advance to direct debiting
of their account(s).

Clients are urged to compare the statements they receive from the account's custodian with the quarterly billing
summary sent by Campbell Financial Partners. It is important to note that custodial firms do not verify advisory fee
calculations.

When Campbell Financial Partners calculates its fees on a percentage of assets under management, the
investment management fee is based on the fair market value of the client's accounts at the end of the previous

     calendar quarter. The fee for each calendar quarter is obtained by multiplying the market value in the account(s) as
     of the last day of the prior calendar quarter by one-fourth of the applicable annual fee rate, as set forth in the client's
     Schedule of Fees. In the case of a flat fee arrangement, the fee for each quarter is one fourth of the applicable
     annual flat fee.
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Item 7 - Types of Clients

      Description
      Campbell Financial Partners generally provides financial planning and investment advice to individuals, trusts, and
      small business entities. Client relationships vary in scope and length of service.

      Account Minimums
      The minimum annual fee for investment management services is $10,000, or $2,500 per quarter. Campbell
      Financial Partners has the discretion to reduce the annual minimum fee based on unique individual circumstances,
      pre-existing relationships, or as otherwise determined by the firm principal. The minimum fee for hourly or fixed fee
      consulting engagements is $1,200.