Five Talents Financial Management Group LLC

Fees and Compensation
                                       Wealth Management Fee Schedule

Clients compensate FTFMG for all services furnished within the Wealth Management Program by the payment
of annualized management fees (“Wealth Management Fees”) of up to 2%. All FTFMG Wealth Management
Fees are negotiable.

Wealth Management Fees will be calculated and paid in advance or in arears at the beginning of each quarter.
Wealth Management Fees will be based on the Quarter Ending Balance (QEB) of the Client’s account assets
under management at the end of the previous quarter. The QEB does not take into account securities that are
not priced, nor does it count days when the account has a zero balance. Wealth Management Fees will be
automatically deducted from the account. An account that is opened mid-period will be charged an initial Wealth
Management Fee that includes a portion of the fee that is pro-rated for the number of days that the account is
open in the first Quarter. Wealth Management Fees will be noted on Client’s monthly Custodian statement.
Client provide FTFMG with written authorization to deduct all Wealth Management Fees and trade execution
charges from client’s account at the Broker-Dealer and Custodian.

Expenses related to the ordinary servicing of the Account, including custody fees, security transaction fees,
and/or program fees shall be paid by the client. Other non-ordinary fees or fees incurred at the direction of the
client shall be paid by the client. Operating fees of mutual funds and other investment product fees are deducted
from the asset value of those investments as defined in the prospectus of the sponsor for each product.

Client may have Wealth Management Fees paid from other accounts or custodians, or be billed directly by
invoice, in such cases Wealth Management Fee deductions will be noted as zero on the client’s monthly
Custodian statements.

General Wealth Management Program Fee Disclosure - Fees paid by clients in FTFMG’s Wealth Management
Program may be more than or less than the cost of purchasing the same services, separately or similar services
elsewhere. FTFMG’s Wealth Management Fees are negotiable.

                                       Financial Planning Services Fees

FTFMG charges up to $400 an hour for financial planning services. Financial Planning Fees are negotiable and
are based on a number of factors including expected complexity of the plan, amount of information that must be
reviewed and incorporated into the plan, expected number of hours necessary to complete the plan, number of
advisor/client meetings needed to gather and present data, amount of assets the client has with the firm and the
competitive landscape.

Financial planning fees are billed and due upon completion of the financial planning services. FTFMG does not
deduct fees from client accounts or assets. The financial planning fees paid by client do not include payment for
other professional services, which may be required by client to implement the recommendations made by
FTFMG. Financial planning fees are negotiable.

FTFMG’s Financial Planning Services may be terminated by either FTFMG or the client effective upon receipt of
written notice to the other party. Upon termination, client will receive a refund of any Financial Planning Fees not
already earned by the FTFMG. Any Financial Planning Fees owed by client are immediately due and payable at
the termination of the Financial Planning Agreement.

                                      Qualified Retirement Plan Program

FTFMG’s Investment Advisory Fee is based on a maximum of 0.75% of Plan assets, with a minimum fee of
$10,000. However, the Investment Advisory fee minimum is negotiable at the discretion of FTFMG. FTFMG’s
Investment Advisory Fees may be paid monthly or quarterly in advance based upon previous period ending
balance of the assets invested in the Plan.

FTFMG does not have a Qualified Retirement Plan Review Program plan minimum. However, FTFMG’s
Qualified Retirement Plan Program is best suited for employers with 50 or more employees or plans with
$1,000,000 or more of assets. For Qualified Plans with fewer employees or assets of less than $1,000,000 a
negotiated fee will be considered for the scope of work to be performed.

Plan Sponsor shall pay under one of the following Fee Schedule structures:

       Annual Asset Based Fee Schedule: Up to 0.75%. FTFMG’s Investment Advisory Fees are paid quarterly
        in arears based upon previous period ending balance of the assets invested in the Plan; or
       Annual Flat Fee Schedule: Up to $5,000. FTFMG’s Investment Advisory Fees are paid quarterly in
        arears.

FTFMG’s Qualified Retirement Plan Program may be terminated by FTFMG or Qualified Plan Sponsor by giving
to other party written notice. The agreement will then be terminated upon the receipt of the termination notice by
the other party. Any prepaid, unearned fees will be refunded to the Qualified Plan. FTFMG doesn’t charge a
termination fee.

                                 Referrals to Other Investment Advisers Fees

The investment advisory and referral fees in these investment advisor’s programs are negotiable but may range
up to 2.5% with the fees being divided between the investment advisor and FTFMG. All fees are fully disclosed
in the agreement signed by the client. Fees for these referral adviser programs and services may be more than
the cost of purchasing the same services separately or similar services elsewhere.

Fee factors used to determine the appropriate fee include:
    Expected level of ongoing, comprehensive advice
    Expected level of client services (portfolio reviews, asset allocation reviews,
        client meetings, investment research, etc.)
    Expected transaction activity (annual turnover rates, rebalancing)
    Amount of total assets the client has with the firm
    Competitive landscape.
...

Types of Clients
FTFMG generally provides investment advice to the following:

       Individuals
       Profit sharing plans and participants
       Pensions and other retirement plans
       Corporations or other business entities
       Trust, estates, or other charitable organizations

Account Minimums – FTFMG does not having any account minimums for Financial Planning clients. FTFMG's
recommended minimum investment amount for establishing and maintaining a Wealth Management Program
account with FTFMG is $100,000. Exceptions may be granted to this minimum at the discretion of FTFMG.

FTFMG does not have a Qualified Retirement Plan Review Program plan minimum.

Methods of Analysis, Investment Strategies and Risk of Loss