LIG Capital Management LLC

Item 5: Fees and Compensation
Investment Management Fee
For the Target Stock Strategy, the ETF Allocation Program, and the Core Discretionary Program
LIGCM charges an asset-based investment management fee – a percentage of each account's
assets under management. Account minimums are noted but are negotiable. The asset
custodian may also charge an asset-based, or per trade, fee for trading; however, this fee never
benefits LIGCM, directly or indirectly.

Target Stock & ETF Allocation Strategies

Core Discretionary

Investment Advisory Fees
For Investment Advisory or accounts LIGCM charges an asset-based advisory fee -- a percentage of
each account's assets under management. Annual fee minimums are noted but are negotiable. The
asset custodian may also charge a fee per trade; however, this fee never benefits LIGCM, directly or
indirectly.

  Retirement Plan Consulting & Advice Fees
  For Retirement Plan Consulting & Advice, LIGCM may charge administrative fees based on
  employee and participant numbers and an asset-based fee using a percentage of plan assets.
  The Plan Asset Fees may be paid by the Plan Sponsor or Participants.

Fee Methodology: Quarterly fee= Plan Assets Balance x Annual Fee x Daily Rate x Number of Days in the period.
The Daily Rate is 1/365 in normal years and 1/366 in leap years.

Other Advisory Services Fees
LIGCM may also charge hourly fees of $250 (with a one hour minimum) for various financial or
investment advisory services, as requested by clients and agreed to by a signed consulting
agreement.

Financial Planning
      LIGCM provides financial planning services only as they relate to investment management.
      These services are limited to understanding a client’s financial situation, investment objectives,
      and time horizon for the purpose of constructing and managing investment portfolios. We do
      not offer comprehensive financial planning services such as insurance analysis, estate
      planning, tax preparation, or cash flow modeling. Any financial planning discussions are
      incidental to our investment advisory services and are not delivered as standalone or
      separately billed engagements.
Valuation, Billing, & Invoicing

    Valuation of Securities: Where accounts are billed based upon market value, LIGCM shall
    determine the fair market value of the assets being billed upon. We use the closing price of
    exchange-traded and over-the-counter equity securities provided by each exchange - that is
    their fair market value. Our portfolio accounting system is updated with the security prices
    provided by them each day. To ensure the accuracy of our invoice, we reconcile each account
    to the custodian's electronic record(s) or statement before calculating the investment
    management fee.
    Billing: Accounts are generally billed quarterly in advance. Account valuations for billing
    purposes are based upon the previous quarter closing value (trade date valuation). The
    quarterly fee is approximately one quarter of the annual fee but is calculated to precisely reflect
    the actual number of days in the calendar quarter by using a defined "daily rate." The daily rate
    is equal to 1/365 in normal years and 1/366 in leap years. As an example, the first quarter of a
    non-leap year would be billed on January 1 using the account value on December 31. This is
    then multiplied by the annual fee rate, the daily rate of 1/365 and the number of days in the first
    quarter (90 in this example).
    Minimum Annual Fee: Where there is a stated minimum annual fee, and an account's calculated
    quarterly fee is less than one quarter of the stated minimum annual fee, then one quarter of the
    minimum annual fee shall be charged for that quarterly time period. Clients are subject to the
    minimum annual fee and minimum account requirements at the time their account was
    established with LIGCM. Therefore, the minimum annual fee and/or minimum account
    requirements may differ among clients. See "Item 7: Types of Clients" for further information.
    Negotiability / Exceptions to the Fee Schedule: We may make exceptions to the fee schedules
    based upon a number of factors, for example, the responsibilities involved in managing the
    account (e.g., meeting and reporting requirements), the nature of the client's relationship with
    LIGCM, and the size of the account or group of related accounts. The fee schedule may be
    altered for a group of clients or any particular client, so long as both LIGCM and the client agree
    in writing.
    Payment of Fees: Our fees are generally deducted from clients' assets. As noted above, while
    our management fees are stated on an annualized basis, they are pro-rated, billed, and deducted
    from client accounts quarterly. Where a fee is separately invoiced, we request full payment within
    30 days.
Other Types of Fees or Expenses That You May Pay
   "Embedded Fees": You may pay what are referred to as embedded fees in addition to the
   investment management fee you pay us. If, for example, we invest your portfolio in an
   independently managed Mutual Fund or Exchange Trade Fund (ETF), you will pay an investment

   management fee to the manager of the Mutual Fund or ETF in addition to the fee you pay us.
   Mutual Funds and ETFs have expense ratios within the structure of the securities.
   Custodian and Other Broker-Dealer Fees: A custodian and / or broker-dealer may charge other
   fees and expenses to your account, including, transaction charges, wire fees, etc. Please see

Item 7: Types of Clients
LIGCM may provide investment advice or guidance to the following types of clients:

       • Individuals & high net worth individuals
       • Pension, profit sharing plans, defined contribution plans (including plan participants)
       • Non-ERISA pension and profit-sharing plans
       • Trusts and estates
       • Charitable organizations including foundations and endowments
       • Corporations and other business entities

Requirements for Opening or Maintaining an Account: Minimum account sizes vary. Please
refer to "Item 5: Fees and Compensation" for further information. We do not have any requirements
for maintaining an account.
If the account is subject to ERISA, LIGCM acknowledges that it is a "fiduciary" as that term is defined
by ERISA with respect to the Account.