Fiduciary First LLC

Item 5 Fees and Compensation
Our annual fee for retirement plan consulting services is billed quarterly in advance or arrears based on the
market value of the Plan's assets on the last day of the relevant quarter and based on the following negotiable
fee schedule:

                                   Value of Plan           Annualized Fee
                                     Assets**                 Range
                                 First $5,000,000            0.50% to1.00%
                                 $5,000,001 -
                                                            0.40% to 0.50%
                                 $10,000,000
                                 $10,000,001 -
                                                            0.20% to 0.40%
                                 $40,000,000
                                 $40,000,001 -
                                                             .08% to 0.20%
                                 $100,000,000
                                 Above $100,000,000            Negotiable

**Assets managed by third party advisers or plan assets outside primary custodial care are included in the value
of Plan assets for purposes of calculating our advisory fee. In some cases clients may pay a flat percentage based
fee in lieu of the fee schedule above. Payment of our fees may be incorporated as part of a bundled fee payable
to the Plan's administrator who will in turn remit the fee to the Adviser.

If the consulting agreement is executed at any time other than the first day of a calendar quarter, our fees will
apply on a pro rata basis, which means that the advisory fee is rounded to the whole quarter.

The Adviser may also provide Retirement Plan consulting services on a project or a-la-carte basis. For such
services, the Adviser may charge clients a negotiable hourly fee. In the alternative the Adviser may charge a
negotiable fixed fee. This may occur in special circumstances and only as authorized by the client in situations
where services include retroactive form or operational defect repair or other special circumstances or projects
requested by the client.

The Adviser may require an upfront retainer from clients which will be credited against the asset-based fee,
hourly fee or fixed fee, as applicable. Hourly fees and/or fixed fees are generally due and payable on a monthly
basis, in arrears, or upon completion of the services rendered. Other fee arrangements may be made on a case-
by case basis. Clients may also be responsible for paying any of our travel costs incurred in connection with
providing services.

Retirement plan consulting fees may be payable directly to the Adviser through a deduction of fees at the
qualified custodian where the client provides written authorization. The qualified custodian shall deliver an
account statement no less than quarterly to the client. The Adviser encourages clients to review all account
statements for accuracy.

Additional Fees and Expenses
The fees we charge are separate and distinct from fees and expenses charged by other investment managers
(including sub-advisers), private funds, and mutual funds which are recommended to a client and are exclusive of
all other costs a client can incur with respect to custodians, brokers, and other third-party service providers.

The client may incur fees from brokerages, custodians, administrators, and other service providers. These fees
are incurred as a result of managing a client account and are charged by the service provider. The amount and
nature of these fees is based on the service provider’s fee schedule(s) at the provider’s sole discretion. These
fees are separate and distinct from any fees charged by the Adviser.

The Adviser may provide advice on mutual funds, ETFs, and other managed products or partnerships in clients’
portfolios. clients may be charged for the services by the providers/managers of these products in addition to
the service fees paid to the Adviser. The Adviser, from time to time, may select or recommend to separately
managed clients the purchase of proprietary investment products. To the extent the client’s separately managed
portfolio includes such proprietary products, the Adviser will adjust the client’s fee associated with the client’s
separately managed account. The fees and expenses charged by the product providers are separate and distinct
from the management fee charged by the Adviser. These fees and expenses are described in each mutual fund’s
or underlying annuity fund’s prospectus or in the offering memorandums of a partnership. These fees will
generally include a management fee, other fund expenses, and a possible distribution fee. No-load or load
waived mutual funds may be used in client portfolios so there would be no initial or deferred sales charges;
however, if a fund that imposes sales charges is selected, a client may pay an initial or deferred sales charge. A
client could invest in a mutual fund or variable annuity or investment partnership directly, without the services
of the Adviser. Accordingly, the client should review both the fees charged by the funds and the applicable
program fee charged by the Adviser to fully understand the total amount of fees to be paid by the client and to
thereby evaluate the Advisory services being provided.

Additionally, the Adviser or its affiliates may separately receive compensation in connection with the retention
of or utilization of third-party consultants and insurance brokers to purchase or place annuities for the purpose
of de-risking a Client defined benefit plan. The disclosure of any compensation paid to such third-party
consultant and insurance brokers by insurance companies or other third parties is solely the responsibility of
the consultant and insurance brokers and subject to the review by the Client in its fiduciary role, as applicable.

Compensation for the Sale of Securities or Other Investment Products
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Item 7 Types of Clients
The Adviser offer advisory services to retirement plans, governments, non-profit organizations, corporations
and other business entities. The Adviser does not require a minimum Plan size to establish a client relationship.