Concord Wealth Partners

Item 5 Fees and Compensation

Fees are subject to negotiation.

Depending on the arrangements made at the inception of the advisory relationship, we may charge either a fixed or
an hourly fee for financial planning services. Financial planning fees generally range from $500 to $10,000. Hourly
fees range from $150 to $300 per hour. The fee charged is dependent upon the complexity of the services required
and the persons providing the services. Fees may be paid by check or by credit card either before or after services
have been delivered to the client depending on the mutual agreement between us and the client. If fees are paid prior
to the delivery of services, services must be delivered within a reasonable timeframe. The timeframe will be agreed
to by both parties at the time of engagement. We will not require prepayment of a fee in excess of $1,200 for services
that would not be provided within six months.

Refunds will be paid promptly if the agreement is terminated. You will incur a pro rata charge for services rendered
prior to the termination of the agreement. If you have pre-paid advisory fees that we have not yet earned, you will
receive a prorated refund of those fees.

Our fee for investment advisory services is based upon a percentage (%) of the market value of the assets placed
under management (generally between 0.40% and 1.50%). However, our typical advisory fee schedule is based
upon a percentage (%) of the market value of the Assets under management in accordance with the following fee
schedule:

                                          PLAN ASSETSANNUAL % FEE
                                   Under $250,000                1.25%
                                   $250,000 - $3,500,000         1.00%
                                   $3,500,000-$7,000,000         0.80%
                                   $7,000,000 and above          0.60%

This annual fee shall be prorated and paid monthly, in arrears, based upon the average daily balance of the Assets
during the billing period. Unless otherwise agreed to, in writing, the Custodian of the Assets will charge the Account
for the amount of our fee and remit such fee to us in compliance with regulatory procedures. The market value
reflected on periodic account statements issued by the account custodian may differ from the value used by CWP
for its advisory fee billing process. CWP includes the accrued value of certain month or quarter-end interest and/or
dividend payments when calculating client advisory fees, which amounts may not yet be reflected on the custodian
statement as having been received by the account. However, fees shall vary depending upon various objective and
subjective factors, including but not limited to the amount of assets to be managed, account composition, the scope
and complexity of the engagement, the anticipated number of meetings and servicing needs, related accounts, level
of trading activity, future earning capacity, anticipated future additional assets, the professional(s) rendering the

service(s) and negotiations with the client. As a result, similarly situated clients could pay diverse fees.

CWP engages an affiliated sub-adviser to provide asset management for client investment assets. CWP is affiliated
with Concord Asset Management, LLC (“CAM”). CAM, (CRD# 310710), a registered investment advisor with the
U.S. Securities and Exchange Commission, is under common control with CWP and provides CWP and its clients
with investment sub-advisory services. As part of CWP’s engagement of CAM as a sub-adviser, the client will bear
a new or additional annual fee rate (0.25%) which is billed directly to client accounts as part of an increased CWP
bundled fee. Such fee rate is in addition to CWP’s base fee rate. This additional or bundled fee rate is set forth in
Schedule A of the managed account client’s agreement.

Before engaging CWP to provide investment advisory services, clients are generally required to enter into a
discretionary Investment Advisory Agreement, setting forth the terms and conditions of the engagement (including
termination), which describes the fees and services to be provided. Moreover, the services we provide to any
particular client could be available from other advisors at lower fees. All clients and prospective clients should be
guided accordingly.

Our fee for retirement plan consulting services is based upon a percentage (%) of the market value of the assets
placed under management (between 0.25% and 0.75%). However, fees shall vary depending upon various objective
and subjective factors, including but not limited to the amount of assets to be managed, account composition, the
scope and complexity of the engagement (i.e. 3(21) vs. 3(38) services), the anticipated number of participant
educational meetings and servicing needs, level of activity, anticipated future additional assets, the professional(s)
rendering the service(s) and negotiations with the plan sponsor. As a result, similarly situated clients could pay
diverse fees.

We define the specific fees charged in the Financial Planning and Consulting Agreement or the Investment Advisory
Agreement, depending on the type of service provided to the client. You will enter into a written agreement with us
prior to receiving services. In our sole discretion, we may charge a lower advisory fee than shown above to some
clients. This would be based on various criteria such as for a pre-existing financial planning client, anticipated future
earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts,
account composition, negotiations with client, etc.

We will deduct our investment advisory fees from client assets, or the client can choose to be billed directly. Our
annual investment advisory fee is prorated and paid monthly. Fees are paid in arrears, based on the average daily
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Item 7 Types of Clients

We provide investment advisory services to individuals, high net worth individuals, corporations, trusts, estates and
charitable organizations.

In general, we do not require a minimum dollar amount to open and maintain an advisory account; however, we
have the right to terminate your Account if it falls below a minimum size which, in our sole opinion, is too small to
manage effectively. We may, in our sole discretion, reduce our investment management fee 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, negotiations with client, etc.).