East Guilford Financial Services LLC

Item 5 Fees and Compensation
ASSET MANAGEMENT FEES

Our annual fees for Asset Management Services are based upon a percentage of assets
under management for all accountholders is 0.5%.

Limited Negotiability of Advisory Fees

Although EGFS has established the aforementioned fee schedule(s), we retain the
discretion to negotiate alternative fees on a client-by-client basis. Client facts,
circumstances and needs are considered in determining the fee schedule. These include the

complexity of the client, assets to be placed under management, anticipated future
additional assets; related accounts; portfolio style, account composition, reports, among
other factors. The specific annual fee schedule is identified in the contract between the
adviser and each client. A conflict of interest exists whereby one client may pay more than
another client for similar advisory services.

Discounts, which are not generally available to our advisory clients, may be offered to
family members and friends of advisory persons at our firm.

FINANCIAL PLANNING CONSULTATION FEES

The EGFS Consultation Services fee is determined based on the nature of the services
being provided and the complexity of each client’s circumstances. All fees are agreed upon
prior to entering into a contract with any client.

Our Consultation Services fee is calculated and charged on a rate of $200 per hour and is
negotiable. An estimate for the total hours is provided at the start of the financial planning
relationship. We do not offer ongoing monitoring services for providing Consultation
Services.

Fees for consultation services are due when the services are rendered or may be billed
quarterly in arrears based on actual hours accrued and some are charged in advance. The
terms as to how the management fees are charged are listed in each client’s Investment
Advisory Agreement. As separate invoice showing the hourly totals will be sent to clients
under this arrangement.

GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be canceled at any
time, by either party, for any reason, by written notice to the other party. As disclosed
above, certain fees are paid in advance of services provided. Upon termination of any
account, any prepaid, unearned fees will be promptly refunded. In calculating a client’s
reimbursement of fees, we will pro rate the reimbursement according to the number of days
remaining in the billing period.

Mutual Fund Fees: All fees paid to EGFS for investment advisory services are separate
and distinct from the fees and expenses charged by mutual funds and/or exchange traded
funds (ETFs), to their shareholders. These fees and expenses are described in each fund's
prospectus. These fees will generally include a management fee, other fund expenses, and
a possible distribution fee. If the fund also imposes sales charges, a client may pay an initial
or deferred sales charge. A client could invest in a mutual fund directly, without our
services. In that case, the client would not receive the services provided by our firm which
are designed, among other things, to assist the client in determining which mutual fund or
funds are most appropriate to each client's financial condition and objectives. Accordingly,
the client needs to review both the fees charged by the funds and our fees to fully

understand the total amount of fees to be paid by the client and to thereby evaluate the
advisory services being provided.

Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible
for the fees and expenses charged by custodians, including, but not limited to, any
transaction charges. Please refer to the "Brokerage Practices" section (Item 12) of this
Form ADV 2A for additional information.

ERISA Accounts: EGFS is deemed to be a fiduciary to advisory clients that are employee
benefit plans or individual retirement accounts (“IRAs”) pursuant to the Employee
Retirement Income and Securities Act ("ERISA"), and regulations under the Internal
Revenue Code of 1986 (the "Code"), respectively. As such, our firm is subject to specific
duties and obligations under ERISA and the Internal Revenue Code that include, among
other things, restrictions concerning certain forms of compensation. To avoid engaging in
prohibited transactions, EGFS may only charge fees for investment advice about products
for which our firm does not receive any 12b-1 fees, or investment advice about products
for which our firm receives 12b-1 fees, however, when such fees are paid to EGFS we
deduct these fees from our investment advisory management fees.

Advisory Fees in General: Clients should note that similar advisory services may (or may
not) be available from other registered (or unregistered) investment advisers for similar or
lower fees.

Limited Prepayment of Fees: Under no circumstances do we require or solicit payment of
fees in excess of $500 more than six months in advance of services rendered.

Item 7 Types of Clients
EGFS provides advisory services to the following types of clients:

   •   Individuals (other than high net worth individuals)
   •   High net worth individuals
   •   Pension and profit sharing plans(other than plan participants)
   •   Charitable organizations
   •   Corporations or other businesses not listed above

EGFS does not require a minimum account size for opening an account under advisement
by EGFS.