Moss LUSE & Womble LLC

ITEM 5: FEES AND COMPENSATION
Asset Management Fees

Client will pay the Advisor for compensation for its services under this Agreement, an advisory fee at an
annual rate of up to 0.45% of assets being managed by the Advisor. The advisory fee is payable quarterly
either in advance or arrears depending on the capabilities of the custodian, and is based on the balance
of the portfolio assets at the end of each quarter. Fees may be reduced or waived at the sole discretion
of the Advisor. These fees may be negotiated at the sole discretion of the Advisor. In most situations, the
qualified custodian will directly deduct asset management fees from the client account on a quarterly
basis pursuant to instructions from the Advisor. The client will give written authorization permitting the
Advisor to be paid directly from their account held by the custodian and the custodian will send a quarterly
statement to the client. For those cases where direct fee deduction is not appropriate in the circumstances
or not authorized by the client, client will be invoiced each quarter for the advisory fee and is due upon
receipt.

Moss, Luse & Womble, LLC                                                                            5|P a g e

Expenses related to the ordinary servicing of the Account by the custodian, including, custody fees,
security transaction fees, and/or platform fees shall be paid by the Client. Other non-ordinary fees or fees
incurred by the Advisor at the direction of the Client shall be paid by the Client. Operating fees of selected
mutual funds and other investment products are deducted from the net asset value of those investments
as defined in the prospectus for each product.

The Advisor shall not be compensated on the basis of a share of capital gains upon or capital appreciation
of the funds in which the Client is invested.

Except as described in Item 15, the Advisor will generally not accept or maintain custody of a client’s funds
or securities except for authorized fee deduction. Client is responsible for all custodial and securities
execution fees charged by the custodian and executing broker-dealer. The Advisor’s fee is separate and
distinct from the custodian and execution fees.

Clients may request to terminate their advisory contract with the Advisor, in whole or in part, by providing
advance written notice. Upon termination, any fees paid in advance will be prorated to the date of
termination and any unearned fees will be refunded to client. Client’s advisory agreement with the
Advisor is non-assignable without client’s prior written approval.

Fixed Fees/Hourly Fees for Financial Planning and Pension Consulting Services

Fees For Ongoing Financial Planning Monitoring Services:

The Advisor will charge a fixed fee for ongoing financial planning monitoring services as follows:

    •    A fee ranging up to $855 per month for business owners of one business, plus an additional
         $100 per month for each additional business owned, for a minimum of five months, will be
         charged in advance on an ongoing basis until the Agreement is terminated.
    •    The actual monthly fee will depend on the complexity and scope of services to be provided. The
         highest fee is applicable to clients that have small business financial planning monitoring needs
         in addition to their personal needs.
    •    Fixed fees may be negotiated at the discretion of the Advisor.

It is assumed the standard time involved in the monitoring of Client’s financial plan will not exceed 28
hours in a calendar year. Excess time over standard can be due to various reasons including above
average complexity of Client’s financial situation, difficulties arising from implementation with other
professional advisor(s), and/or above average phone calls and meetings initiated by Client during the
course of the engagement. In order to dedicate additional resources in these circumstances, Advisor
may need to bill excess hours at $260.00 per hour.

Fees for Pension Consulting Services:

The Advisor provides the Pension Consulting Services described in Item 4 above for Financial Planning
clients only, and the fee for those services are included in the Ongoing Financial Planning Monitoring
Services fees described above.

Where the Client engages Moss, Luse & Womble to provide plan design, installation and administration
services, separate fees will be charged for these services as follows:

Moss, Luse & Womble, LLC                                                                             6|P a g e

      Standard 401(k) Plan (15 or less employees in prior tax year)              - $235 per month
      Large 401(k) Plan (16 or more employees in prior tax year)                 - $270 per month
      Standard Cash Balance Plan (15 or less employees in prior tax year)        - $470 per month
      Large Cash Balance Plan (16 or more employees in prior tax year)           - $505 per month

The plan design, installation and administration services fee is charged monthly in advance.

Other Pension Transaction Fees:

Moss, Luse & Womble will charge the following transaction fees for services as requested by a 401(k) Plan:

            Transaction                              Fee           Responsible Party
            Termination Distribution            $100.00/1099      Participant Account
            In-Service Distribution             $100.00/1099      Participant Account
            Hardship Distribution               $100.00/1099      Participant Account
            Loan Origination                    $500.00           Participant Account
            QDRO                                $500.00           Participant Account
            Takeover Fee for Existing Plans     $750.00           Plan Sponsor
            Interim Valuation for Standard      $1,000.00         Plan Sponsor
            Interim Valuation for Large         $1,500.00         Plan Sponsor
...

ITEM 7: TYPES OF CLIENTS
Moss, Luse & Womble will offer its services to individuals, high net worth individuals, pension and profit
sharing plans, trusts, estates, charitable organizations, corporations or other business entities.

Moss, Luse & Womble does not have any minimum requirements for opening or maintaining an account.