Financial Institution Services LLC

Item 5 Fees and Compensation
Asset Management Services
Our fee for portfolio management services is based on a percentage of the assets in your account and
is set forth in the following annual, linear fee schedule:

                                         Annual Fee Schedule

Assets Under Management            Annual Fee
$0 - $500,000                        1.00%
$500,001 - $1,000,000                0.85%
$1,000,001 - $1,500,000              0.75%
$1,500,001 - $2,000,000              0.65%
Over $2,000,000                      0.50%

Our annual portfolio management fee is billed and payable, quarterly in arrears, based on the balance
at the end of billing period. The maximum annual fee for participation in the asset management
services program is 1.00%. Fees are generally not negotiable, but may be negotiated in some limited
circumstances, at our sole discretion. In some cases, clients may be subject to a different, lower fee
schedule in effect at the time of their initial engagement with our firm.

If the portfolio management 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 payable in
proportion to the number of days in the quarter for which you are a client.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above. Illiquid assets (e.g. partnerships,
illiquid REITs, savings accounts, CD's) are not included in the calculation of assets under management
and advisory fees.

Advisory fees are deducted from your account when due. We will liquidate money market shares to
pay the fees and, if insufficient money market shares or cash are available, other investments will be
liquidated to pay the fees. The investment(s) to be liquidated will be selected at random. Authorization
for the automatic deduction of fees from your accounts is contained in the Investment Advisory
Agreement. As required by applicable regulations, deduction of management fees will be made by the
qualified custodian holding your funds and securities. Further, the qualified custodian agrees to deliver
a monthly or quarterly account statement directly to you showing all disbursements from the account.
You are encouraged to review all account statements for accuracy. We will receive a duplicate copy of
the statement that was delivered to you in order to form a reasonable belief that such statements were
delivered to you. You may terminate authorization for automatic fee deduction of advisory fees by
notifying us in writing.

You will have a period of five (5) business days from the date of signing the investment advisory
agreement to unconditionally rescind the agreement and receive a full refund of all fees. Thereafter,
either party may terminate the investment advisory agreement with 5 days written notice. Since fees
are payable after services are provided, there are no unearned fees and you are not due a refund upon
early terminate of an investment advisory contract. However, the Advisor's fees are prorated to the
date of termination.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay 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 management fee and other fund expenses. You may 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 your account transactions are executed. We do not
share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
custodian. The fees charged to clients for each program are calculated as described in the above
program specific descriptions. Lower fees for comparable services may be available from other
sources. To fully understand the total cost you will incur, you 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.

Persons providing investment advice on behalf of our firm were previously licensed as independent
insurance agents. These persons will earn commission-based compensation in the form of trail
commissions, for insurance products sold previously, including insurance products they may have sold
to you. Trail insurance commissions earned by these persons are separate and in addition to our
advisory fees. This practice presents a conflict of interest because persons providing investment
advice on behalf of our firm who are insurance agents have an incentive to maintain insurance
products previously sold to you for the purpose of generating trail commissions rather than solely
based on your needs. You are under no obligation, contractually or otherwise, to hold insurance
products through any person affiliated with our firm.

Item 7 Types of Clients
We offer investment advisory services to individuals, including high net worth individuals, trusts,
estates, charitable organizations, and corporations or business entities.

In general, we do not require a minimum dollar amount to open and maintain an advisory account;
however, we have the right to terminate your account if it falls below a minimum size which, in our sole
opinion, is too small to manage effectively.