Midwest Heritage Bank FSB

ITEM 5 – FEES AND COMPENSATION
         We offer our services on a fee basis, which may include hourly and assets under management
fees. Additionally, certain of our employees, in their individual capacities, may offer securities

brokerage services and insurance products under a commission arrangement. We reserve the right, in
our sole discretion, to negotiate, reduce or waive the advisory fee for certain client accounts and for any
period of time as determined by us.
        Advice offered may involve investments in mutual funds. Clients are hereby advised that all fees
paid for asset management services are separate and distinct from the fees and expenses charged by
mutual funds to their shareholders. These fees are described in each mutual fund's prospectus. Clients
whose assets are invested in the shares of mutual funds pay with a direct management fee to the
investment adviser and an indirect management fee to the mutual fund.

Financial Planning Services Fees
        We may charge an hourly fee for financial planning services. These fees are negotiable,
depending upon the level and scope of the services and the professional rendering the financial
planning services. The fees generally range from $100 to $300 per hour.
        Prior to engaging us to provide financial planning consulting services, the client and firm
are required to enter into a written agreement setting forth the terms and conditions of the
engagement, including the amount of the fee. The balance is generally due upon delivery of the
financial plan or completion of the agreed upon services as financial plans are typically completed
within six months. We do not require or solicit prepayment of more than $1,200 in fees per client, six
months or more in advance.
        The agreement for financial planning services terminates upon delivery of the analysis or
review. Upon termination, any prepaid, unearned fees will be returned to the client, based upon the
time and effort completed prior to termination of the agreement. Any fees owed to the firm upon
termination will be billed to the client at that time. No refunds will be made after delivery of the
services. The client will receive full disclosure and details of all arrangements in the agreement.

Fixed Fees
        The Adviser also offers a flat fee program for certain clients that buy/sell only equities.

Investment Management Fee for Individual Investors
        We provide investment management services for an annual fee based upon a percentage of
the market value of the assets being managed. Our annual fee is exclusive of, and in addition to
brokerage commissions, transaction fees, and other related costs and expenses which are incurred
by the client. We do not, however, receive any portion of these commissions, fees, and costs. Our
annual fee is prorated and charged monthly, in arrears, based on the average daily balance from the
previous month. The annual fee is negotiable and there are no account minimums. The client will
receive full disclosure and details of all arrangements in the agreement. Our typical fee schedule is as
follows:

                      Household Total Account Value         Annual Advisory Fee
                      $0 to $249,999                              1.20%
                      $250,000 to $749,999                        1.10%
                      $750,000 to $999,999                        1.00%
                      $1,000,000 to $1,999,999                    0.90%
                      $2,000,000 to $2,999,999                    0.80%
                      $3,000,000 to $3,999,999                    0.70%
                      $4,000,000 to $4,999,999                    0.60%
                      $5,000,000 and up                           0.50%

         Although the Adviser believes its management fee is competitive, clients may be able to find
similar services at higher or lower costs. Also, there can be no assurance that transactions effected
through us result in the lowest per transaction cost possible to a client.

        Fees payable to the Adviser for investment management services are, with the client’s prior
permission, automatically deducted from the client's account when due. The client will receive reports
from the account's custodian indicating the fee amounts debited. The Adviser will liquidate money market
shares to pay the fee and, if money market shares or cash value are not available, other investments will
be liquidated. Authorization for the deduction of fees from the managed account is contained in the
Agreement. The client may terminate the authorization for automatic deduction at any time by notifying
the Adviser in writing.
          In the event of trading errors caused by the Adviser employees, it is the Adviser’s policy to make
its clients whole and to document errors in its trade error file. Any Adviser created trade errors that result
in a loss to a client will be debited against the Adviser’s error account and the client made whole. Any
Adviser created trade errors that result in a gain to a client, and the gain can be attributed to a client, the
client is entitled to keep the gain. If the Adviser makes a trade error that results in a gain to a client and
the gain cannot be attributable to a particular client, Schwab, and not the Adviser, keeps the gain. In that
case, if the gain is more than $100, Schwab will donate the gain to charity. If the gain is less than $100,
Schwab will keep the gain to offset its administrative time and expense.

Investment Management Fee for Institutional Investors
        We also provide investment management services to institutional investors, primarily
foundations, non- profit organizations, pension and qualified plans, for an annual fee based upon
a percentage of the market value of the assets being managed by us. Our annual fee is exclusive
of, and in addition to brokerage commissions, transaction fees, and other related costs and expenses
...

ITEM 7 – TYPES OF CLIENTS
         We provide investment advice to individuals, trusts, estates, charitable organizations,
 corporations, and other business entities.