IBN Financial Services Inc

Item 5         Fees and Compensation

A. Description and Billing

Financial Planning
Financial planning fees can be hourly, fixed fee basis (which may be per project or ongoing),or
included with asset management services. Our hourly charge is between $125 and $350 per
hour. Fixed fees will be between $0 and $15,000. The fee range stated is a guide. Fees may be
higher or lower than this range, based on the nature of the engagement. Fees are negotiable, and
will depend on the anticipated complexity of your plan.

Asset Management

Generally, fees may vary from 0.50% to 2.00% per annum of the market value of a client’s assets
managed by IBNFNSR. The fee range stated is a guide. Fees are negotiable, and may be higher
or lower than this range, based on the nature of the account. Factors affecting fee percentages
include the size of the account, complexity of asset structures, and other factors. Any fee above
2% must be approved by compliance in advance and the reason for the excess fee most be
detailed in writing on part B of the Investment Management Agreement.

Clients charged a fee greater than 2%, above the standard advisory fee, may be able to find
comparable advisory services elsewhere for less. Charging more than 2% would violate the
antifraud provision of Section 206 of the Investment Advisors Act of 1940 unless that advisor
discloses to existing and potential clients that the fee is higher than normally charged in the
industry and that other investment advisors provide the same or similar services at lower rates.

AXOS Clearing has the ability to set up fees that include transactions as well as those where the
client agrees to pay the transaction costs (the advisors make no income at all on these transaction)
and pays a fee on top of the transaction cost (the fee is typically 1% or less in that scenario).

All fees that are outside the normal rates noted in paragraph one must be pre-approved by
compliance and completely described in Schedule B of the Investment Management Agreement.

B. Billing

Investment advisory fees will generally be debited directly from each client’s account. However,
clients do have the option to pay fees through an automated payment service. The advisory fee
is paid on either a quarterly or monthly basis, in arrears or in advance, depending on the chosen
custodian and method. Depending on the client’s needs and suitability, the appropriate custodian
and billing model will be recommended. Fees are calculated based on the average value,
beginning value or ending value depending on the manager or the custodian and will be disclosed
in the Investment Management Agreement. Once the calculation is made, we will instruct your
account custodian to deduct the fee from your account and remit it to the firm.

Clients whose fees are directly debited will provide written authorization to debit advisory fees
from their accounts held by a qualified custodian chosen by the client. The client will also receive
a statement from their account custodian showing all transactions in their account, including the
fee. It is the responsibility of the client to verify the accuracy of all fee calculations. The client
may terminate the investment advisory contract by notifying IBNFNSR in writing at its principal
place of business.

Clients whose fees are debited from their bank accounts using the automated payment service will
provide written consent for IBNFNSR to debit their bank accounts for the amount of the fee due
toIBN Financial Services, Inc. The advisory agreement may be modified as mutually agreed
uponin writing. The agreement is terminable by you at any time. The agreement is not assignable
byIBNFNSR without the advance written consent of the client.

C. Other Fees and Payments

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.

Separate Account Managers may be engaged. These managers charge an additional fee. This
additional fee varies by manager. Your exact amount of additional fee will be fully disclosed at
the time of engagement. Mutual funds and exchange traded funds (“ETF”) 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 fund company charges 0.5%
for their services. These fees are in addition to the fees paid by you to the Firm.

Mutual Funds

All fees paid to IBNFNSR for investment advisory services are separate and distinct from the fees
and expenses charged by underlying investments such as mutual funds. In the case of mutual
funds, these fees and expenses are described in each fund's prospectus. These fees will generally
include a management fee, other fund expenses, and a possible distribution fee. Expenses of a
fund, including management fees payable to the mutual fund manager, will not appear as

transaction fees on a client’s statement, as they are deducted from the value of the shares by the
mutual fund manager. If the fund also imposes sales charges, a client may pay an initial or
deferred sales charge. There also may be instances where IBNFNSR receives fees from mutual
funds referred to as 12b-1 fees. A client could invest in a fund directly, without the services of
IBNFNSR.In that case, the client would not receive the services provided by IBNFNSR which
are designed,among other things, to assist the client in determining which fund or funds are most
appropriateto each client's financial condition and objectives. Accordingly, the client should
review both thefees charged by the funds and the fees charged by IBNFNSR to fully understand
the total amountof fees to be paid by the client and to thereby evaluate the advisory services
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Item 7          Types of Clients

A. Types of Clients
IBNFNSR generally provides advisory services to individuals, pension and profit-sharing plans,
trusts, estates, charitable organizations, corporations and other business entities.

B. Account Requirements
IBNFNSR recommends minimums based on selected strategy. IBNFNSR has strategies that have
no minimum however some strategies from third party managers can have minimums. Minimum
recommendations for each strategy can be viewed in our account application packet or Item 8
below.

IBNFNSR can waive the minimum amount requirements at their sole discretion.