Investors Mosaic LLC

Item 5 Fees and Compensation
We offer a complimentary 30-minute, no commitments, meeting with all prospective clients to help them
determine if Investors Mosaic is a good fit for their unique situation. During this meeting, we learn about the
client’s financial situation and discuss how we might be able to work together in a productive relationship.

Wealth Management Fee Structure:
The wealth management fee structure is tiered based upon assets under management as follows:

Account Assets                        Annual Fee
First $1 million                      0.75%
Next $1 million ($1M - $2M)           0.65%
Next $1 million ($2M - $3M)           0.55%
Next $1 million ($3M - $4M)           0.45%
Next $1 million ($4M - $5M)           0.35%
Thereafter (Greater than $5M)         0.25%

Pursuant to a wealth management advisory contract signed by each client, the client will pay Investors Mosaic a
management fee, payable quarterly in arrears, based on the average of the asset values of the account managed
by the Advisor at the end of each month in the quarter. New account fees will be prorated from the inception of
the account to the end of the first quarter. This fee may be negotiated at the sole discretion of the Advisor.

Stand-Alone Investment Management Fee Structure:
Pursuant to a stand-alone investment advisory contract signed by each client, the client will pay Investors Mosaic
a management fee, payable quarterly in arrears, based on the average of the asset values of the account managed
by the Advisor at the end of each month in the quarter. New account fees will be prorated from the inception of
the account to the end of the first quarter. The annualized fee to be charged is based on the level of assets in the
account as follows:

Account Assets                        Annual Fee
First $1 million                        0.50%
Next $1 million ($1M - $2M)             0.45%
Next $1 million ($2M - $3M)             0.40%
Next $1 million ($3M - $4M)             0.35%
Next $1 million ($4M - $5M)             0.30%
Thereafter (Greater than $5M)           0.25%

The management fee for stand-alone investment management offering is lower than the active equity
management fee since the Advisor utilizes a passive strategy for stand-alone investment management accounts.
This approach is less time-intensive than active stock selection, so the Advisor can pass those savings along to
the client. This fee may be negotiated at the sole discretion of the Advisor.

Active Equity Investment Management Fees:
Pursuant to an investment advisory contract signed by each client, the client will pay Investors Mosaic a
management fee, payable quarterly in arrears, based on the average of the asset values of the account managed
by the Advisor at the end of each month in the quarter. New account fees will be prorated from the inception of
the account to the end of the first quarter. The annualized fee to be charged is based on the level of assets in the
account as follows:

Investors Mosaic                           Page          7

Account Assets                         Annual Fee
First $1 million                         0.75%
Next $4 million                          0.6375%
Thereafter                               0.525%

The fee structure may be negotiated at the sole discretion of the Advisor.

For wealth and investment, the qualified custodian will directly deduct asset management fees from the client
account on a quarterly basis. The client will give written authorization permitting the Advisor to be paid directly
from their account held by the custodian. The custodian will send a statement directly to the client at least
quarterly. For those accounts where direct fee deduction is not practicable, invoices will be sent to clients shortly
after the end of the quarter and the invoice is due by the end of the month it was delivered.

The annual fee is based on market value on the closing date of the quarter, as reported by the custodian
of each account. Portfolio value includes mutual funds, ETFs, individual securities, annuities, IRAs and
defined contribution plans. Portfolio value does not include checking and savings accounts, money
market accounts, CDs, savings bonds, insurance policies (except annuities), real estate rental properties,
primary residence, vacation homes or defined benefit plans.

Minimum Fee
The Advisor has a minimum annual fee of $6,000 for all new clients (both Wealth Management or Standalone
Investment Management). The minimum annual fee comes into effect if the AUM for a client is below the
required level to achieve such a fee based upon the fee structure of the given service offering. We will not take
on a client if the minimum fee exceeds 2.0% of their investable assets to avoid the excessive fee threshold, but
we also reserve the right to waive the minimum fee for specific clients. The minimum annual fee helps us manage
our capacity and business model in order to allow us to focus on providing our clients with a superior service &
experience. The minimum fee may be waived or lowered by the sole discretion of the firm.

For the Advisor's services described above, the Client may terminate these services within five business days of
the effective date of an Agreement signed with the Advisor without any payment of the Advisor's fee.

Client is responsible for all custodial and securities execution fees charged by the custodian and executing broker-
dealer. The Advisors fee is separate and distinct from the custodian and execution fees.

Neither Investors Mosaic nor its supervised persons accept compensation for the sale of securities or other
investment products, including asset-based sales charges or service fees from the sale of mutual funds.

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Item 7 Types of Clients

The Advisor offers its services to individuals and families, which are typically in the mass affluent to high-net-
worth spectrum.