Hixon Zuercher LLC

Item 5 - Fees and Compensation
   Description
       HZCM bases its fees on a percentage of assets under management and hourly
       charges.
       Some Retainer Agreements may be priced based on the complexity of work,
       especially when asset management is not the most significant part of the
       relationship.
       While fees are negotiable, HZCM has adopted the following fee schedules for new
       clients.
       Standard Fee Schedule
       This fee schedule applies to those client accounts where HZCM has investment
       authority over the assets, including, but not limited to, Brokerage accounts, Trust
       accounts, Individual Retirement Accounts or any accounts where HZCM has
       delegated investment responsibility, but still has the responsibility for oversight.
           1.50% of the first $500,000

                Hixon Zuercher, LLC dba Hixon Zuercher Capital Management

        1.25% of the next $500,000
        1.00% of the next $500,000
        0.75% of the next $500,000
        0.50% on all amounts thereafter
     529 Plan Fee Schedule
     This fee schedule applies to those client accounts where HZCM has investment
     authority over the assets of 529 Plans held with American Funds.
        0.50% flat fee on all assets
     Institutional Fee Schedule
     This fee schedule applies to those client accounts where HZCM has investment
     authority over the assets, either whole or part, of an Institutional investor.
     Institutional investors include, but are not limited to, banks, insurance companies,
     pensions, hedge funds, REITs, investment advisors, endowments and mutual funds.
        0.50% of the first $10 million
        0.30% on all amounts thereafter
        Unless waived, clients utilizing the Institutional Fee Schedule pay a minimum
        fee of $5,000.
     Trust Service Fee Schedule
     This fee schedule applies to those clients where associated persons of HZCM act as
     Trustee.
        1.45% of the first $1 million
        1.15% of the next $2 million
        0.90% of the next $2 million
        0.70% on all amounts thereafter
        Unless waived, clients utilizing the Trust Service Fee Schedule pay a minimum
        fee of $5,000.

Fee Billing
     Investment management fees are billed quarterly, in advance, meaning that we
     invoice you before the three-month billing period has begun. 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.
     Investment management fees for 529 accounts are withdrawn directly by the
     custodian from the client’s account with the client’s written authorization. Fees are
     billed quarterly, in arrears.

             Hixon Zuercher, LLC dba Hixon Zuercher Capital Management

   Other Fees
       Custodians may charge transaction fees on purchases or sales of certain mutual
       funds and exchange-traded funds. 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 the nominal fee that the custodian charges to buy or sell the
       security.
        HZCM, in its sole discretion, may charge a lesser investment advisory fee based
        upon certain criteria (e.g., historical relationship, type of assets, anticipated future
        earning capacity, anticipated future additional assets, dollar amounts of assets to
        be managed, related accounts, account composition, negotiations with clients,
        etc.).

   Expense Ratios
       Mutual funds generally charge a management fee for their services as investment
       managers. The management fee is called an expense ratio. For example, an
       expense ratio of 0.50 means that the mutual fund company charges 0.5% for their
       services. These fees are in addition to the fees paid by you to HZCM.
        Performance figures quoted by mutual fund companies in various publications are
        after their fees have been deducted.

   Past Due Accounts and Termination of Agreement
        HZCM reserves the right to stop work on any account that is more than 60 days
        overdue. In addition, HZCM reserves the right to terminate any financial planning
        engagement where a client has willfully concealed or has refused to provide
        pertinent information about financial situations when necessary and appropriate, in
        HZCM’s judgment, to providing proper financial advice. Any unused portion of fees
        collected in advance will be refunded within 30 days.

Item 7 - Types of Clients
    Description
        HZCM generally provides investment advice to individuals, investment companies,
        pension and profit sharing plans, trusts, estates, charitable organizations,
        corporations or business entities.
        Client relationships vary in scope and length of service.

    Account Minimums
        Beginning in May of 2007, HZCM implemented a minimum investable asset level of
        $100,000 before being considered as a new client. On March 1, 2013, the minimum
        increased to $250,000 for our Global Allocation Strategies and remained $250,000
        for inclusion to our Stock and ETF Portfolios. On August 1, 2014, HZCM
        implemented a minimum investable asset level of $500,000 before being
        considered as a new client. HZCM reserves the right to waive that minimum on a
        case-by-case basis.
        The minimum account size of $250,000 of assets under management equates to an
        annual fee of $3,750. When an account falls below $250,000 in value, no minimum
        annual fee is charged.
        HZCM has the discretion to waive the account minimum. Accounts of less than
        $250,000 may be set up when the client and the advisor anticipate the client will
        add additional funds to the accounts bringing the total to $250,000 within a
        reasonable time. Other exceptions will apply to employees of HZCM and their
        relatives, or relatives of existing clients, or at the firm’s discretion.
        Clients with assets below the minimum account size may pay a higher percentage
        rate on their annual fees than the fees paid by clients with greater assets under
        management.