Keystone Financial Services LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are based on the market value of assets under
management at the end of the prior calendar quarter. Investment advisory fees range up to 1.35% pursuant to a
tiered fee schedule. Investment advisory fees are based on several factors, including the complexity of the
services to be provided, the level of assets to be managed, and the overall relationship with the Advisor.
Relationships with multiple objectives, specific reporting requirements, portfolio restrictions, and other complexities
may be charged a higher fee.

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 negotiable at the sole discretion of the Advisor. The Client’s fees will take
into consideration the aggregate assets under management with the Advisor. All securities held in accounts
managed by Keystone will be independently valued by the Custodian. The Advisor will conduct periodic reviews of
the Custodian’s valuation to ensure accurate billing.

Reconciliations are performed on a quarterly basis to capture if, at any point, assets in excess of $5,000 are
deposited into or withdrawn from an account after the start of the quarterly billing period. An adjustment will be
made in the form of a credit or debit the following billing period to reflect the interim change in portfolio value from
the date of the deposit/withdrawal until the end of the quarter.

                                             Keystone Financial Services, LLC
                                     9802 Nicholas Street, Suite 315A, Omaha, NE 68114
                                        Phone: (402) 392-1212 | Fax: (402) 392-1490
                                             www.keystonefinancialservice.com

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and
other related costs and expenses described in Item 5.C. below, which may be incurred by the Client. However, the
Advisor shall not receive any portion of these commissions, fees, and costs.

Financial Planning Services
Keystone offers financial planning services for a fixed engagement fee ranging up to $2,500. Fees may be
negotiable based on the nature and complexity of the services to be provided and the overall relationship with the
Advisor. An estimate for total costs will be determined prior to establishing the advisory relationship.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.50% and are billed
quarterly in advance pursuant to the terms of the retirement plan advisory agreement. Retirement plan advisory
fees are based on the market value of assets under management at the end of the prior quarter. Fees may be
negotiable depending on the size and complexity of the Plan.

B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] in advance of the respective quarter. The amount due is calculated by applying the
quarterly rate, (annual rate divided by the number of days in the year, multiplied by the number of days in the
quarter) to the total assets under management with Keystone at the end of the prior quarter. Clients will be
provided with a statement, at least quarterly, from the Custodian reflecting the deduction of the investment
advisory fee. Clients provide written authorization permitting advisory fees to be deducted by Keystone to be paid
directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate
account forms provided by the Custodian.

With respect to unaffiliated non-custodial partnership/private fund investments, which are not held at the
Custodian, the Client shall be required to complete applicable private placement and/or account opening
documents to establish these investments. The Advisor will debit its fee for providing investment advisory services
with respect to these relationships directly from an account designated by the Client held at the Custodian. For
certain non- custodial partnership/private fund investments, the Advisor may not receive quarter- end investment
valuations prior to its fee billing calculation. In such instances, the Advisor will use the most recent month-end or
quarter-end valuation available for the calculation of investment advisory fees. The Advisor will recalculate its fee
upon receipt of final valuations. Adjustments are reflected in the fee calculations for the next quarterly period.

Financial Planning Services
Financial planning fees are invoiced by the Advisor and are due upon completion of the agreed upon
deliverable[s].

Retirement Plan Advisory Services
Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the
Plan, depending on the terms of the retirement plan advisory agreement.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties other than Keystone in connection with
investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities
execution fees charged by the Custodian, if applicable. The Advisor's recommended Custodian does not charge
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Item 7 – Types of Clients

Keystone offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable
organizations, businesses, and retirement plans. The amount of each type of Client is available on Keystone’s
Form ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor.
Keystone generally does not impose a minimum relationship size.