Financial Focus LLC

Item 5: Fees and Compensation
 Method of Compensation and Fee Schedule
  ASSET MANAGEMENT
  Accounts on the AssetMark Platform are assessed a Total Account Fee. The fees applicable
  to each Account on the AssetMark Platform may include:
      1. Our maximum annual fee of 1.5%,
      2. Combined Platform fee, which will now include the Custody Fee and any Strategist
         or Manager Supplemental Fee, if applicable,
  Other fees for special services may also be charged. The Client should consider all
  applicable fees.
  Client fees are payable quarterly, in advance, based on the assets under management. If
  margin is utilized, the fees will be billed based on the net asset value of the account. If cash
  and/or securities are deposited into or withdrawn from an existing account mid billing
  period a prorated fee will be charged for that portion of the account. The net difference of
  the recalculated fees and the prior fees paid, if there are multiple such events in the same
  billing period, will be combined at the next billing period and therefore may result in a
  credit or debit to the account. Client may terminate AssetMark accounts at any time and
  receive a full pro-rata refund on any unearned fees.

                                         Financial Focus LLC

Fees and compensation for using the AssetMark Platform, are provided in more detail in
the AssetMark Platform Disclosure Brochure. Discretionary Manager Fee Schedule are
included in the Client Billing Authorization or the Appendix A to the Client Service
Agreement.
ASSET MANAGEMENT AS A WRAP PROGRAM
Our annual fees for investment management services shall be based on the market value of
the assets under management and shall be calculated as follows:
        Assets Under Management                    Annual Percentage of assets charged*
             Up to $1,000,000                                     1.5%
             Over $1,000,000                                   Negotiable
*Fees for Accounts under $1,000,000 are typically charged 1.5%. Our firm’s fees are billed
on a pro-rata annualized basis quarterly in advance based on the value of your account on
the last day of the previous quarter. Fees are negotiable based on the complexity and size of
the account. If cash and/or securities are deposited into or withdrawn from an existing
account mid billing period a prorated fee will be charged for that portion of the account.
The net difference of the recalculated fees and the prior fees paid, if there are multiple such
events in the same billing period, will be combined at the next billing period and therefore
may result in a credit or debit to the account. Fees will be automatically deducted from
your managed account through Schwab. As part of this process, you understand and
acknowledge the following:
a) Schwab send statements at least quarterly to you showing all disbursements for your
   account, including the amount of the advisory fees paid to us;
b) You provide authorization permitting us to be directly paid by these terms;
c) If we send a copy of our invoice to you, we send a copy of our invoice to the custodian
   at the same time we send the invoice to you;
d) Our invoice includes a legend in accordance with our States’ statutes and rules.*
*The legend urges the client to compare information provided in their statements with
those from the custodian in account opening notices and subsequent statements sent to the
client for whom the adviser opens custodial accounts with Schwab.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not exceed
1%. Fees may be charged quarterly or monthly in arrears or in advance based on the assets
as calculated by the custodian or record keeper of the Included Assets (without
adjustments for anticipated withdrawals by Plan participants or other anticipated or
scheduled transfers or distribution of assets) on the last business day of the previous
quarter or month. If the services to be provided start any time other than the first day of a
quarter or month, the fee will be prorated based on the number of days remaining in the
quarter or month. If this Agreement is terminated prior to the end of the fee period, we
shall be entitled to a prorated fee based on the number of days during the fee period
services were provided or Client will be due a prorated refund of fees for days services
were not provided in the billing cycle.
The fee schedule, which includes compensation for our services is described in detail in
Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees, however the
Plan Sponsor may elect to pay the fees. Client may elect to be billed directly or have fees
deducted from Plan Assets. We do not reasonably expect to receive any additional

                                      Financial Focus LLC

 compensation, directly or indirectly, for our services under this Agreement. If additional
 compensation is received, we will disclose this compensation, the services rendered, and
 the payer of compensation. We will offset the compensation against the fees agreed upon
 under this Agreement.
 FINANCIAL PLANNING AND CONSULTING
 The 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 fees may be calculated and charged on a fixed fee basis, typically
 ranging from $1,500 to $5,000 depending on the specific arrangement reached with the
 client. Calculation of the fee is based on a $300 hourly rate.
 We may request a retainer upon completion of our initial fact-finding session with the
 client; however, advance payment will never exceed $1200 for work that will not be
 completed within six months. The balance is due upon completion of the plan.
 The client is billed quarterly in arrears based on actual hours accrued.
...

Item 7: Types of Clients
Description
 Adviser generally provides investment advice to individuals and high net worth
 individuals, trusts, estates, charitable organizations, 401(k) Plans and businesses. Client
 relationships vary in scope and length of service.

Account Minimums
 Adviser does not require a minimum to open an account.