Evergreen Advisors LLC

Item 5        Fees and Compensation

                            PORTFOLIO MANAGEMENT FEES

Our annual fee for Portfolio Management Services is based upon a percentage of assets under
management and generally ranges from 0.25% to 1.00%.

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The annual fee for Portfolio Management Services is charged as a percentage of assets under
management. While other fee schedules may have been used in the past and may still be in
effect, fees being charged to new clients will typically be based on the following schedule:

                     Assets Under Management                       Annual Fee
                       First $1,000,000                           1.00%
                       $1,000,000 - $2,000,000                    0.50%
                       $2,000,000 - $3,000,000                    0.40%
                       $3,000,000 - $4,000,000                    0.35%
                       $4,000,000 - $5,000,000                    0.30%
                       Above $5,000,000                           0.25%

In addition to the annual advisory fee, there is a $50.00 per account charge that covers account
reporting through a third party data aggregation firm that will include client web portal access.

A minimum annual fee of $2,000 is required for this service. This minimum annual fee is
negotiable under certain circumstances.

Limited Negotiability of Advisory Fees: Although Evergreen Advisors, LLC 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.

We group certain related client accounts for the purposes of achieving the minimum account
size requirements and determining the annualized fee.
Clients will be invoiced or their accounts directly debited, as authorized, in advance at the
beginning of each calendar quarter based upon the value of the client's account at the end of
the previous quarter. For new client's first quarter of service, the fee is prorated to include the
period from the account open date through the end of the previous quarter. Additional assets
received into the account after it is opened will be charged a pro rata fee based on the number
of days remaining in the quarter. No fee adjustment will be made for partial withdrawals within a
billing period. No fee adjustment will be made for account appreciation or depreciation within a
billing period. We will not directly debit any client account without receiving written authorization
from the client.

Discounts, not generally available to our advisory clients, are occasionally offered to family
members and friends of associated persons of our firm.

                                 PENSION CONSULTING FEES

Our fee for Pension Consulting Services is based on a percentage of the market value of plan
assets.

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We charge an annual fee for Pension Consulting Services which ranges from 0.20% to 1.00% of
plan assets depending on the services requested and the size of the plan.

In certain cases we are compensated based on a fixed fee. We will ensure that the fixed fee
charged does not exceed 1.00% of the plan assets.

Plan sponsors are invoiced or their accounts directly debited, as authorized, in advance at the
beginning of each calendar quarter.

A total minimum fee of $2,000 is required. This minimum fee may prevent Evergreen Advisors,
LLC from providing services to very small plans.

                                 FINANCIAL PLANNING FEES

Evergreen Advisors, LLC's Financial Planning 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 Financial Planning fee is calculated and charged on a fixed fee basis, typically ranging from
$1,000 to $5,000, depending on the specific arrangement reached with the client.

We may request a retainer upon completion of our initial fact-finding session with the client;
however, advance payment will never exceed $500 for work that will not be completed within six
months. The balance is due upon completion of the plan.

Financial Planning Fee Offset: Financial Planning Services are provided to Portfolio
Management clients at no additional cost. Evergreen Advisors, LLC reserves the discretion to
reduce or waive the fixed fee if a financial planning client chooses to engage us for our Portfolio
Management Services.

                                CONSULTING SERVICES FEES

Evergreen Advisors, LLC's Consulting Services fee is determined based on the nature of the
services being provided and the complexity of each client's circumstances. Our Consulting
Services fee is calculated and charged on either an hourly or fixed fee basis. All fees are agreed
upon prior to entering into a contract with any client.

When our Consulting Services fee is calculated and charged on an hourly basis, it ranges from
$100 to $300 per hour. An estimate for the total hours is determined at the start of the advisory
relationship. When our Consulting Services fee is calculated and charged on a fixed fee basis, it
typically ranges from $1,000 to $5,000, subject to the specific arrangement reached with the
client. Fees are due and payable upon completion of the Consulting Services.

Consulting Services are provided to Portfolio Management clients at no additional cost.
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Item 7         Types of Clients
Evergreen Advisors, LLC 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

As previously disclosed in Item 5, our firm has established certain minimum account
requirements, based on the nature of the service(s) being provided. For a more detailed
understanding of those requirements, please review the disclosures provided in each applicable
service.