Fairfield Financial Advisors Ltd

Item 5 Fees and Compensation
 Asset Management Services
 The annual Advisory Service Agreement fee is based on a percentage of the client's investable assets,
 unless otherwise specified, according to the following schedule:

                                              Annual Fee Schedule

                  Assets Under Management                                         Annual Fee
                  From $0 to $5,000,000                                              1%

                  From $5,000,001 to $10,000,000                                    .75%

                  Above $10,000,000                                                  0.5%

                                  *This fee rate applies only to assets in that tier.*

Fairfield will aggregate family accounts for the calculation of management fees, unless otherwise
requested by the client. Current client relationships may exist where the fees are higher or lower than
the fee schedule above.

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Fairfield charges its advisory fee in the last month of each calendar quarter. The fee is based on the
account's closing market value as of the last day of the preceding month. In other words, the fee is
based on the closing market value at the end of the second month of each quarter. The fee charged
compensates us for services rendered and will be rendered during the quarter in which the fee is
charged. Cash will be included for billing purposes unless we determine otherwise, in our sole discretion.

Fairfield, in its sole discretion, may charge a lesser investment advisory fee based upon certain criteria
(e.g., historical relationship, type of assets, anticipated future earning capacity, anticipated future
additional assets, dollar amounts of assets to be managed, related accounts, account composition,
negotiations with clients, etc.).

Fee Billing
Payment in full is expected upon invoice presentation. Fees are usually deducted from a designated
client account to facilitate billing, but the client may arrange to receive a physical copy of the invoice
and pay by check.

Termination of Agreement
A client may terminate the Asset Management agreement at any time by notifying Fairfield in writing. A
client is responsible for any unpaid fees as of the termination date. The client will incur a pro rata
charge for services rendered prior to the termination of the portfolio management agreement, which
means the client will incur advisory fees only in proportion to the number of days in the quarter for
which they are a client. If a client has pre-paid advisory fees that we have not yet earned, the client
will receive a prorated refund of those fees.

Fairfield may also terminate the Asset Management agreement at any time by notifying the client in
writing.

Additional Fees and Expenses
As part of our investment advisory services to the client, we may invest, or recommend that the client
invest in mutual funds and exchange traded funds. The fees paid by the client to our firm for
investment advisory services are separate and distinct from the fees and expenses charged by mutual
funds or exchange traded funds (described in each fund's prospectus) to their shareholders. These
fees will generally include a fund management fee and other fund expenses. A client will also incur
transaction charges and/or brokerage fees when purchasing or selling securities. These charges and
fees are typically imposed by the broker-dealer or custodian through whom the client's account
transactions are executed. We do not share in any portion of the brokerage fees/transaction charges
imposed by the broker-dealer or custodian. To fully understand the total cost incurred by a client, the
client should review all the fees charged by mutual funds, exchange traded funds, our firm, and others.
For information on our brokerage practices, refer to the Brokerage Practices section of this brochure.

IRA Rollover Considerations

As part of our investment advisory services to the client, we may recommend that the client withdraw
the assets from their employer's retirement plan and roll the assets over to an individual retirement
account ("IRA") that we will manage on the client's behalf. If the client elects to roll the assets to an IRA
that is subject to our management, we will charge you an asset based fee to the client as set forth in the
agreement that the client executed with our firm. This practice may present a conflict of interest because
persons providing investment advice on our behalf have an incentive to recommend a rollover to the
client for the purpose of generating fee based compensation rather than solely based on the client's
needs. The client is under no obligation, contractually or otherwise, to complete the rollover.

Moreover, if the client does complete the rollover, the client is under no obligation to have the assets in

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an IRA managed by our firm.

Many employers permit former employees to keep their retirement assets in their company plan. Also,
current employees can sometimes move assets out of their company plan before they retire or change
jobs. In determining whether to complete the rollover to an IRA, and to the extent the following options
are available, the client should consider the costs and benefits of:

    1.   Leaving the funds in the client's employer's (former employer's) plan.
    2.   Moving the funds to a new employer's retirement plan.
    3.   Cashing out and taking a taxable distribution from the plan.
    4.   Rolling the funds into an IRA rollover account.

Each of these options has advantages and disadvantages and before making a change we encourage
the client to speak with their CPA and/or tax attorney.

If the client is considering rolling over retirement funds to an IRA for us to manage here are a few
...

Item 7 Types of Clients
Description
Fairfield currently provides investment advice to individuals, high net worth individuals, families, trusts,
estates, and pension and profit sharing plans. Fairfield may also provide services to small businesses,
charitable organizations, corporations and other business entities.

Client relationships vary in scope and length of service.

Account Minimums
Fairfield does not require a minimum dollar amount to open an account and maintain an advisory
account.