First Financial Services LLC

ITEM 5 - FEES AND COMPENSATION
General Fee Information
For its services, First Financial charges an asset-based fee, monthly in arrears, based on the monthly-end
value of a client’s custodial account value. There is no charge for financial planning.

Portfolio Management Services Fees
First Financials’ fees for Portfolio Management Services are based upon a percentage of assets under
management on a case-by-case basis. First Financial determines an appropriate fee structure based on
the size, complexity, security type, investment objectives, and anticipated levels of rebalancing and other
related aspects of the active management nature of the account. In general, fees range from 1.00% to
1.60% The terms and conditions of the fee structure are mutually agreed upon prior to entering into an
advisory agreement. First Financial may, at its discretion, make exceptions to the foregoing or negotiate
special arrangements where First Financial deems it appropriate under the circumstances.

We do not charge advisory fees on the available margin balance for accounts.

Other Compensation
Certain of First Financials’ employees are also insurance agents with ReUnion Associates Inc. ("ReUnion"),
a licensed insurance agency unaffiliated with First Financial. ReUnion and these individuals are entitled to
receive commissions or other remuneration on the sale of insurance products. As such, they effect
insurance transactions and receive separate, yet customary compensation. To protect client interests,
First Financials’ policy is to fully disclose all forms of compensation before any such transaction is
executed. Under no circumstance does the client pay both a commission to these individuals and a
management fee to First Financial on the same pool of assets. In addition, clients are under no obligation
to use ReUnion recommended insurance products and can use any provider they choose. Please see Item

ITEM 7 - TYPES OF CLIENTS
First Financial serves individuals, high net worth individuals, families, retirement plans, trusts, estates,
businesses, charitable organizations, and corporations.