Finarc Investments Inc

Item 5 Fees and Compensation
Money Management Fees
On an annualized basis, our fees for ongoing money management services, subject to negotiation, are
based on the following tiered fee schedules:

Equity and Bond Portfolios:
Portfolio Size                     Annualized Fee
First $2,000,000                   1.00%
Next $8,000,000                    0.75%
Over $10,000,000                   Negotiable

Mutual Fund Portfolios:
Portfolio Size                     Annualized Fee
First $1,000,000                   0.75%
Next $2,000,000                    0.50%
Over $3,000,000                    Negotiable

Our annual fee for money management services is billed quarterly in arrears based on the market
value of your assets on the last day of the quarter. Fees will be assessed pro rata in the event the
money management agreement is executed at any time other than the first day of a calendar quarter.

Related accounts may be aggregated for fee calculations. Our firm requires a minimum annual fee of
$2,500 for mutual fund portfolios and a minimum annual fee of $5,000 for accounts that are comprised
of individual stocks, bonds and mutual funds. The total fee charged by our firm will never exceed 3% of
assets under management. Our fees may be waived or lowered in our sole discretion.

Either we will invoice you directly for management fees or payment will be made by the qualified
custodian holding your funds and securities provided you provide written authorization permitting the
fees to be paid directly from your account. We will not have access to your funds for payment of fees
without your consent in writing. Further, the qualified custodian agrees to deliver a monthly account

                                                                           ©2017 National Compliance Services 800-800-3204

statement directly to you showing all disbursements from the account. We encourage you to review
your account statements for accuracy. We have access to a duplicate copy of the statement that was
delivered to you.

Either party, upon 30 days' written notice to the other, may terminate the management agreement.
Refunds are not applicable since fees are payable in arrears.

Under certain circumstances, clients who have engaged us for portfolio management services will
receive complimentary financial planning at no additional cost. The nature and extent of the
financial planning service to be included with our Portfolio Management service is described more fully
below.

Pension Consulting Fees
We will be compensated at a rate negotiated between our firm and you on a case-by-case basis. The
fees and terms will be clearly set forth in the executed agreement for services. The amount of the fees
charged to you will be based on the scope and complexity of the qualified plan and the requested
services. An estimate of the total cost will be determined at the start of the advisory relationship. The
final fee shall be directly dependent upon the facts and circumstances of your financial situation and
the complexity of the pension consulting services provided. We do not reasonably expect to receive
any other compensation, direct or indirect, for the services we provide to the Plan or Participants,
unless the plan sponsor directs us to deduct our fee from the plan or directs the plan record-keeper to
issue payment for our fee out of the plan. If we receive any other compensation for such services, we
will (i) offset the compensation against our stated fees, and (ii) we will promptly disclose the amount of
such compensation, the services rendered for such compensation and the payer of such compensation
to you.

Either party may terminate the agreement by providing written notice to the other party. Additionally,
we may be removed by the Plan Sponsor or we may resign from the Plan Sponsor upon written notice
to the Plan Sponsor.

Financial Planning Fees
We typically charge the following fees for planning related services:

    • FinArc Financial Goal Plan - $1,000 for money management clients with less than $1,000,000
      under management with our firm or as a stand-alone service.

    • Mutual Fund Analysis, Asset Allocation recommendations for unmanaged accounts (e.g., 401k
      accounts, etc.), or College Savings Program advice/analysis - $300 per hour for money
      management clients with less than $1,000,000 in under management with our firm or as a
      stand-alone service.

An estimate of the total time/cost will be determined at the start of the advisory relationship. In limited
circumstances, the cost/time could potentially exceed the initial estimate. In such cases, we will notify
you and request that you approve the additional fee. We may, in our sole discretion, waive our
advisory consulting fees for clients that have engaged our firm for our money management services.
Typically, financial planning fees are waived for money management clients with $1,000,000 or greater
under management with our firm.

Fees are due upon completion of services rendered, and are not negotiable. You may terminate the
financial planning agreement by providing written notice to our firm. Since fees are payable in arrears,
you will be responsible for a prorated fee based on services performed.

                                                                             ©2017 National Compliance Services 800-800-3204

General Consulting Fees
We may provide general consulting services based on our firm's current hourly rate of $300, where an
Associated Person of our firm provides a professional opinion on specific financial related areas. The
consulting fee is payable at the conclusion of each session or as invoiced. We may, in our sole
discretion, waive our advisory consulting fees for clients that have engaged our firm for our money
management services.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
...

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

In general, we require a minimum of $250,000 to open and maintain an advisory account. At our
discretion, we may waive this minimum account size. For example, we may waive the minimum if you
appear to have significant potential for increasing your assets under our management. We may also
combine account values for you and your minor children, joint accounts with your spouse, and other
types of related accounts to meet the stated minimum.