Integrated Benefits Incorporated

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client shall sign
one or more agreements that detail the responsibilities of Integrated Benefits, Incorporated and the Client.

A. Fees for Advisory Services

Investment Advisory Services

Investment Advisory Services are paid quarterly, at the end of each quarter, pursuant to the terms of the Asset Management Agreement.
Investment advisory fees are based on the value of assets under management shown on the Client’s Account Statement produced by Custodian
at the end of each quarter. Discretionary clients will pay 1.00% maximum annually, and non-discretionary clients will pay 1.25% maximum
annually for management services. Annualized fees are billed on a pro-rata basis quarterly in advance based on the market value of the account
on the last day of the previous quarter. It is important that our firm bills on cash and cash equivalents unless specified in writing. The ultimate
investment advisory fee charged will depend on the size of the Client relationship, the scope/complexity of services provided, and other factors.

The investment advisory fee in the first quarter of service is prorated from the inception date of the account(s) to the end of the first quarter.

Fees may be negotiated at the sole discretion of the Advisor. Certain Clients may have a fixed annual fee or fixed rate fee or a fee schedule that
differs from above. The Client’s fees will take into consideration the Client’s Household aggregate assets under management with the Advisor.

All securities held in accounts managed by Integrated Benefits will be independently valued by the Custodian. Integrated Benefits will not have
any authority or responsibility to value portfolio securities.

The Client may make additions or withdrawals from the account(s) at any time, subject to the Advisor’s right to terminate an account or the
overall relationship. Additions may be in cash or securities provided that the Advisor reserves the right to liquidate any transferred securities or
decline to accept particular securities into a Client’s account(s). Clients may withdraw account assets on notice to Integrated Benefits, subject
to the usual and customary securities settlement procedures. However, the Advisor typically designs its investment portfolios as long-term
investments, and the withdrawal of assets may impair the achievement of a Client’s investment objectives. Integrated Benefits may consult the
Client about the implications of such transactions. Clients are advised that when such securities are liquidated, they may be subject to securities
transaction fees, short-term redemption fees, and/or tax ramifications.

Financial Planning and Consulting Services

Financial Planning and Consulting Services are provided under a separate agreement and are not part of Investment Advisory Services. Fees are
based on the experience of the person performing the services, the complexity of the services to be provided and the duration of the
engagement. Hourly engagements are billed at a rate of up to $350 per hour. Fixed and recurring fee engagements are based on the estimated
number of hours to complete the service at the Advisor’s hourly rate. Fixed and recurring fees range from $500 to $10,000. Recurring fee
engagements will automatically renew each year. The total estimated fee as well as the ultimate fee charged, is based upon the scope and
complexity of our engagement with the client. The Advisor’s fee is exclusive of, and in addition to, brokerage fees, transaction fees, and other
related costs and expenses, which may be incurred by the Client.

Retirement Plan Consulting Services

Our Retirement Plan Consulting Services are billed on a fee based upon the percentage of Plan assets under management. The total estimated
fee, as well as the ultimate fee charged, is based on the scope and complexity of our engagement with the client. Fees based on a percentage
of managed Plan assets will not exceed 1.50%. The fee-paying arrangements will be determined on a case-by-case basis and will be detailed in
the signed consulting agreement.

B. Fee Billing

Investment Advisory Services

Investment advisory fees will be calculated by the Advisor or its delegate and deducted from the Client’s account(s) at the Custodian. The
Advisor shall send a “Management Fee Letter of Authorization” to the Custodian indicating the amount of the fees to be deducted from the
Client’s account(s) at the respective quarter-beginning date. The amount due is calculated by applying the quarterly rate (annual rate divided by
4) to the Ending Account Value for the respective quarter-beginning date Client Statement that was issued and created by the Custodian.

As part of this process, Clients understand the following:

     a)    The client’s independent custodian sends Statements at least quarterly showing the market values for each security included in the
           Assets and all account disbursements, including the amount of advisory fees paid to our firm; and

     b)    Clients provide authorization permitting our firm to be directly paid by these terms when they open their account with the firm and
           independent Custodian.

Financial Planning and Consulting Services

Financial Planning and Consulting Services are provided under a separate agreement and are not part of Investment Advisory Services. Fees are
invoiced up to 50% upon the execution/renewal of the financial planning or consulting agreement. The remainder of the fee will be directly
billed to the client and due within 30 days of a financial plan being delivered or consultation rendered. Our firm will not require a retainer
exceeding $1,200 when services cannot be rendered within 6 months.

Retirement Plan Consulting Services
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Item 7 – Types of Clients

Integrated Benefits, Incorporated offers investment advisory services to high-net-worth individuals, families, trusts, estates, and
businesses. The relative percentage of each type of Client is available on Integrated Benefits’ Form ADV Part 1. These percentages will
change over time. Integrated Benefits does not impose a size for establishing a relationship but does tailor its services to high-net-worth
Clients.