MARS Jewett Financial Group Inc

Item 5. Fees and Compensation
      MJFG offers services on a fee basis, which includes fixed fees, as well as fees based upon assets under
      management.

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 Disclosure Brochure                                              Mars Jewett Financial Group, Inc.

      Financial Planning and Consulting Fees

      MJFG charges a fixed fee for providing financial planning and consulting services under a stand-alone
      engagement. These fees are negotiable, but range from $1,500 to $5,000, depending upon the scope and
      complexity of the services and the professional rendering the financial planning and/or the consulting
      services. If the client engages the Firm for additional investment advisory services, MJFG may offset all
      or a portion of its fees for those services based upon the amount paid for the financial planning and/or
      consulting services.

      The terms and conditions of the financial planning and/or consulting engagement are set forth in the
      Advisory Agreement and MJFG charges its fees upon completion of the agreed upon services. The Firm
      does not, however, take receipt of $1,200 or more in prepaid fees in excess of six months in advance of
      services rendered.

      Investment Management Fees

      MJFG offers investment management services for an annual fee based on the amount of assets under the
      Firm’s management. This management fee varies in accordance with the following blended fee schedule:

                                  PORTFOLIO VALUE                         BASE FEE
                                      First $1,000,000                       1.00%
                                      Next $9,000,000                        0.55%
                                     Above $10,000,000                       0.45%

      The annual fee is prorated and charged quarterly, in advance, based upon the market value of the assets
      being managed by MJFG on the last day of the previous billing period as valued by the custodian of the
      assets. If assets are deposited into or withdrawn from an account after the inception of a billing period, the
      fee payable with respect to such assets is adjusted to reflect the interim change in portfolio value. For the
      initial period of an engagement, the fee is calculated on a pro rata basis. In the event the advisory agreement
      is terminated, the fee for the final billing period is prorated through the effective date of the termination and
      the outstanding or unearned portion of the fee is charged or refunded to the client, as appropriate.

      For asset management services MJFG provides with respect to legacy investments custodied at Mutual,
      the Firm is paid an annual fee of 0.30% by Mutual. A conflict of interest exists for the Firm to recommend
      clients move their legacy investments to MJFG where the fee paid by Mutual is lower than the fee the client
      would pay under the Firm’s standard fee schedule. The Firm has implemented policies and procedures to
      ensure that fees charged to clients remain fair and that its investment recommendations remain consistent
      with client’s investment needs and objectives. Clients retain absolute discretion over all decisions regarding
      engaging the Firm.

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 Disclosure Brochure                                             Mars Jewett Financial Group, Inc.

      The Firm includes cash in a client’s account in determining the valuation for billing purposes. The Firm
      may, in its sole discretion, not include cash in determining the fee, especially where a client has a high
      percentage of cash for reasons other than the Firm's investment management decision. Additionally, for
      asset management services MJFG provides with respect to certain client holdings (e.g., held-away assets,
      accommodation accounts, alternative investments, etc.), the Firm may negotiate a fee rate that differs from
      the range set forth above.

      Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage MJFG or
      additional services for compensation, including rolling over retirement accounts or moving other assets to
      the Firm’s management. As set forth above, clients retain absolute discretion over all decisions regarding
      engaging the Firm and are under no obligation to act upon any of the recommendations. Certain
      Independent Managers may impose more restrictive account requirements and billing practices from the
      Firm. In these instances, MJFG may alter its corresponding account requirements and/or billing practices
      to accommodate those of the Independent Managers.

      Retirement Plan Consulting Fees
      MJFG charges an asset-based fee to provide clients with retirement plan consulting services. Each
      engagement is individually negotiated and tailored to accommodate the needs of the individual plan
      sponsor, as memorialized in the Agreement. These fees vary, based on the scope of the services to be
      rendered, and range between 35 and 50 basis points (0.35% – 0.50%), depending upon services provided
      and the amount of assets to be advised on. These fees may be charged directly to the plan sponsor or, in
      certain cases, directly to plan assets (as an investment expense).

      Fee Discretion

      MJFG may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria, such as
      anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
      managed, related accounts, account composition, pre-existing/legacy client relationship, account retention
      and pro bono activities.
...

Item 7. Types of Clients
      MJFG offers services to individuals, trusts, estates, charitable organizations, corporations and other
      business entities, and pension and profit sharing plans.

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 Disclosure Brochure                                           Mars Jewett Financial Group, Inc.