Future Bright LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
Future Bright bases its fees on a percentage of assets under management.

Asset Management Services & Fees

Future Bright offers discretionary direct asset management services to advisory clients.
Prior to February 1, 2022, Future Bright charged an annual investment advisory fee
based on the total assets under management as follows:

Client Engagement Prior to February 1, 2022:
  Assets Under Management              Annual Fee                   Quarterly Fee
         $0 - $500,000                    1.00%                         .25%
     $500,001 – $3,000,000                 .80%                         .20%
     $3,000,001 and Over                   .60%                         .15%

Effective February 1, 2022, Future Bright modified its fee schedule to account for higher
company input costs and additional staffing needs. All discretionary direct asset
management services to advisory clients onboard with Future Bright prior to 2/1/2022
were grandfathered in using the previous fee grid above. Clients who signed up for
Future Bright direct asset management services on or after February 1, 2022, fall under
the modified fee grid below:

Client Engagement on February 1, 2022, and Thereafter:
  Assets Under Management              Annual Fee                   Quarterly Fee
         $0 - $500,000                    1.25%                        .3125%
     $500,001 – $3,000,000                1.00%                         .25%
     $3,000,001 and Over                   .75%                        .1875%

The annual fee is negotiable when agreed upon by Future Bright and the client.
Negotiating factors include the amount of future investments, the relationship between
the client and the investment adviser representative and the overall complexity of the
client’s situation. Accounts within the same household can be combined for a reduced
fee. Fees are billed quarterly in advance based on the amount of assets managed as of
the last business day of the previous quarter. Initial fees for partial quarters are
pro‐rated. Quarterly advisory fees deducted from the clientsʹ account by the custodian
will be reflected in a provided fee invoice as fees are withdrawn. Lower fees for
comparable services may be available from other sources. Clients may terminate their
account within five (5) business days of signing the Investment Advisory Agreement for
a full refund. Clients may terminate advisory services with thirty (30) days written
notice. For accounts closed mid‐quarter, the client will be entitled to a pro rata refund
for the days service was not provided in the final quarter. Client shall be given thirty
(30) days prior written notice of any increase in fees. Client will acknowledge, in
writing, before any increase in said fees occurs.

ERISA Plan Services
The annual fees are based on the market value of the Included Assets as follows:
       Included Assets                  Annual Fee                   Quarterly Fee
        $0 - $3,000,000                    .50%                         .1250%
   $3,000,0001 - $5,000,000                .35%                         .0875%
    $5,000,0001 and Over                   .25%                         .0625%

The initial fee will be based on the market value of the Plan assets as calculated by the
custodian or record keeper of the Included Assets on the first business day of the initial
fee period and will be due on the first business day of the fee period. If the services to
be provided start any time other than the first day of a quarter, the fee will be prorated
based on the number of days remaining in the initial fee period. Thereafter, the fee will
be based on the market value of the Plan assets on the last business day of the previous
fee period (without adjustments for anticipated withdrawals by Plan participants or
other anticipated or scheduled transfers or distribution of assets) and will be due the
following business day. If this Agreement is terminated prior to the end of the fee
period, Future Bright shall be entitled to a prorated fee based on the number of days
during the fee period services were provided. Any unearned fees shall be refunded to
the Plan or Plan Sponsor.
The compensation of Future Bright for the 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. Future Bright does not reasonably expect to receive
any additional compensation, directly or indirectly, for its services under this
Agreement. If additional compensation is received, Future Bright will disclose this
compensation, the services rendered, and the payer of compensation. Future Bright will
offset the compensation against the fees agreed upon under this Agreement.

Client Payment of Fees
Investment management fees are billed quarterly in advance, meaning we bill you
before the three-month period has started. Payment in full is expected upon invoice
presentation. Fees are usually deducted from a designated client account to facilitate
billing. The client must consent in advance to direct debiting of their investment
account. Fees for the combination services are charged at the end of the month in which
services are offered to the credit card on file with Future Bright.

Additional Client Fees Charged
Custodians charge separate fees and expenses for their services. Such fees can include
fees on purchases or sales of certain mutual funds, equities, and exchange-traded funds.
These charges may include Mutual Fund transactions fees, postage and handling and
miscellaneous fees (fee levied to recover costs associated with fees assessed by self-

regulatory organizations). These transaction charges are usually small and incidental to
the purchase or sale of a security. The selection of the security is more important than
...

Item 7: Types of Clients
Description
Future Bright generally provides investment advice to individuals, high net worth
individuals, small businesses, pension and profit sharing plans and corporations.
Client relationships vary in scope and length of service.
Account Minimums
Future Bright does not require a minimum to open an account.