McCollum Christoferson Group LLC

Item 5. Fees and Compensation
    McCollum Christoferson Group offers services on a fee basis, generally based upon assets under man-
    agement, but which under select circumstances may include fixed or hourly fees.

    Investment Management Fees for Standard Portfolios
    McCollum Christoferson Group offers Standard Portfolio investment management services for an annual
    fee based on the value of the combined household assets under the Firm’s management. McCollum Chris-
    toferson Group typically offers these services exclusively through its advisory services as described in
    this brochure. This management fee generally varies in accordance with the following blended fee sched-
    ule:

                   PORTFOLIO VALUE                                                       BASE FEE
                    First $1,000,000                                                          1.25%
                    $1,000,001 to $3,000,000                                                  1.00%
                    Above $3,000,000                                                          0.75%

    The annual fee is prorated and charged monthly, in advance, based upon the market value of the assets
    being managed by McCollum Christoferson Group on the last day of the previous billing period.

    If assets are deposited into or withdrawn from an account after the inception of a billing period, the fee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 not adjusted to reflect the interim change in portfolio value. 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 refunded to the client.

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 Disclosure Brochure                                       McCollum Christoferson Group, LLC

    For asset management assistance the Firm provides with respect to certain client holdings (e.g., held-
    away assets, accommodation accounts, alternative investments, etc.) the Firm typically does not assess
    any charges. Clients are responsible for all transaction and other costs in such accounts.

    Investment Management Fees for American Funds Portfolios
    McCollum Christoferson Group offers discretionary investment management services for assets held
    with American funds for an annual fee of 0.50%, based on the amount of assets under the Firm’s man-
    agement.

    The annual fee is prorated and charged quarterly, in arrears, based upon the average daily net asset value of
    the assets being managed by McCollum Christoferson Group during the billing period, as calculated by
    American Funds.

    For the initial period of an engagement, the fee is calculated on a pro rata basis. Subsequent to the initial
    billing period, the quarterly fee will reflect asset deposits or withdrawals through the use of average daily net
    asset values as the basis for the billing value. 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 un-
    earned portion of the fee is charged to the client.

    Fee Discretion
    McCollum Christoferson Group, in its sole discretion, may 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.

    Additional Fees and Expenses
    In addition to the advisory fees paid to McCollum Christoferson Group, clients may also incur certain
    charges imposed by other third parties, such as broker-dealers, custodians, trust companies, banks and other
    financial institutions. These additional charges may include margin costs, charges imposed directly by a
    mutual fund or ETF in a client’s account as disclosed in the fund’s prospectus (e.g., fund Program Fees and
    other fund expenses), fees and commission for assets not held with Schwab (such as 401(k) or 529 plan
    assets), deferred sales charges, odd-lot differentials, transfer taxes, expenses related to corporate reorgani-
    zations or class actions, wire transfer and electronic fund fees, and other fees and taxes on brokerage ac-
    counts and securities transactions. The Firm’s brokerage practices are described at length in Item 12, below.

    Direct Fee Debit
    For Standard Portfolios, Clients generally provide McCollum Christoferson Group with the authority to
    directly debit their accounts for payment of the investment advisory fees. Any Financial Institution that
    acts as the qualified custodian for the accounts from which the Firm retains the authority to directly deduct
    fees has agreed to send statements to clients not less than quarterly detailing all account transactions, in-
    cluding any amounts paid to McCollum Christoferson Group.

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 Disclosure Brochure                                       McCollum Christoferson Group, LLC

    The investment advisory fees for portfolios of American Funds are in all cases debited to the accounts by
    the custodian, pursuant to written instruction from the client.

    In both Standard Portfolios and American Funds Portfolios, clients with multiple portfolios can choose to
    have the fees for all portfolios debited to one specified portfolio.

    Account Additions and Withdrawals
    Clients may make additions to and withdrawals from their account at any time, subject to McCollum Chris-
    toferson Group’s right to terminate an account. Additions to portfolios of individual securities may be in
    cash or securities provided that the Firm reserves the right to liquidate any transferred securities or decline
...

Item 7. Types of Clients

    McCollum Christoferson Group offers services to individuals, high net worth individuals, pension and
    profit sharing plans, trusts, estates, charitable organizations, corporations and other business entities.

    Minimum Account Requirements

    McCollum Christoferson Group imposes a minimum relationship size, including all assets under manage-
    ment for a household, of $500,000, although the Firm may accept certain American Funds accounts
    for less than $500,000 minimum based on the client circumstance. Additionally, the Firm may in
    its sole discretion, agree to accept a smaller proposed Standard Portfolio relationship in anticipation of addi-
    tional contributions to the asset value in the near future.

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 Disclosure Brochure                                      McCollum Christoferson Group, LLC