Financial Counseling Associates Inc

Item 5: Fees and Compensation

Assets Under Management Fees

FCA, Inc. provides a service of advising clients on the allocations of investments. FCA, Inc. charges a fee of 1% annually on the first $2
million dollars of assets under advisement and a fee of 0.5% annually on all assets above $2 million dollars of assets under
advisement. This fee is billed quarterly and in advance. The service may be cancelled at any time by the client. When a cancellation
occurs mid-quarter the client may request that fees be refunded on a pro rata basis. Our fees may be negotiable.

Account Minimums

FCA, Inc. has account minimums which are determined by each individual advisor. Account minimums may be negotiable.

                  erica@fca-inc.com              |      www.fca-inc.com               |      jay@fca-inc.com                             4

                                                                             Jay Kopel     | 6129 S. Cathay Ct., Aurora, CO 80016
                                                                             Erica Mathews | 5710 S. Danube Cir., Aurora, CO 80015

Hourly Fees

FCA is not for hire on an hourly basis.

Collecting Fees

In general, accounts under management will have their fee deducted from the accounts that are being managed. Clients will receive a
notice of the quarterly fee amount in their quarterly report.

Other Fees

Clients may pay for transaction fees through a custodian. We use Charles Schwab & Co., Inc. as a custodian for individual investment
accounts and Charles Schwab & Co., Inc., or John Hancock for 401k accounts. We use CollegeInvest for Colorado 529 plans. These fees
are reasonable and customary for buying and selling securities. Some exchange traded funds and mutual funds at Charles Schwab &
Co., Inc. do not have a transaction fee. FCA, Inc. does not receive any compensation from Charles Schwab & Co., Inc., John Hancock, or
CollegeInvest. It is possible that lower fees for comparable services may be available from other sources.

Compensation from Investment Products

FCA, Inc. does not receive any compensation or commissions from the sale of investment products. FCA, Inc. specializes in no-load
and low transaction fee investments. We mitigate this risk by always putting our clients’ best interest first.

Brokers

We primarily use Charles Schwab & Co., Inc. as a broker due to their discounted fees, vast selection of investment choices, trading
efficiencies, as convenience to the client, added protection for the client, and as an efficiency for our own business. Clients do have
the option to purchase investment products that we recommend through other brokers or agents that are not affiliated with us.

Item 7: Types of Clients

Financial Counseling Associates, Inc. generally provides investment advice to individuals, trusts, small businesses, retirement plans,
and foundations. Each advisor has their own aggregate account minimum for opening or maintaining an account that may be
negotiable.