Mustard Seed Financial LLC

Item 5 Fees and Compensation
Portfolio Management Services
Mustard Seed is a fee-only firm. We charge a percentage of assets under management, an hourly rate of $250
for consulting services unrelated to assets under management, or both for extensive consulting services in
addition to asset management services.

Our fee for portfolio management services is based on a percentage of the assets in your account and is set
forth in the following annual fee schedule:

                                            Annual Fee Schedule

             Assets Under Management                                          Annual Fee
                  $0 to $500,000                                                1.00%

               $500,000 to $1,000,000                                            0.90%

              $1,000,000 to $2,000,000                                           0.80%

                   Over $2,000,000                                               0.50%

Quarterly fees are equal to the annual fee divided by 4.

Portfolio Management Services
Our annual fee for portfolio management services is equal to multiple of the market value of your assets under
our management. Assets in each of your account(s) are included in the fee assessment unless specifically
identified in writing for exclusion.

Our annual portfolio management fee is billed and payable, quarterly in advance, based on the balance at end
of billing period.

If the portfolio management agreement is executed at any time other than the first day of a calendar quarter,
our fees will apply on a pro rata basis, which means that the advisory fee is payable in proportion to the
number of days in the quarter for which you are a client. Our advisory fee is negotiable, depending on
individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household to
determine the applicable advisory fee. For example, we may combine account values for you and your minor
children, joint accounts with your spouse, and other types of related accounts. Combining account values may
increase the asset total, which may result in your paying a reduced advisory fee based on the available
breakpoints in our fee schedule stated above.

We will deduct our fee directly from your account through the qualified custodian holding your funds and
securities. We will deduct our advisory fee only when you have given our firm written authorization permitting
the fees to be paid directly from your account. We will send you an invoice showing the amount of the fee.
Further, the qualified custodian will deliver an account statement to you at least quarterly. These account
statements will show all disbursements from your account. You should review all statements for accuracy.

We encourage you to reconcile our invoices with the statement you receive from the qualified custodian. If you
find any inconsistent information between our invoice and the statement you receive from the qualified
custodian call our main office number located on the cover page of this brochure.

Generally, fees are deducted from client accounts, but clients may request to be billed. Fees are not adjusted
for additions or withdrawals during the quarter. Fees are not based on capital gains or appreciation. Fees can
vary based on individual, family, or business circumstances and are negotiable.

You may terminate the portfolio management agreement upon written notice. You will incur a pro rata charge
for services rendered prior to the termination of the portfolio management agreement, which means you will
incur advisory fees only in proportion to the number of days in the quarter for which you are a client. If you
have prepaid advisory fees that we have not yet earned, you will receive a prorated refund of those fees.

Financial Planning Services
We will not require prepayment of a fee more than six months in advance and in excess of $1,200.

You may terminate the financial planning agreement upon Written notice to our firm. If you have pre-paid
financial planning fees that we have not yet earned, you will receive a prorated refund of those fees. If financial
planning fees are payable in arrears, you will be responsible for a prorated fee based on services performed
prior to termination of the financial planning agreement.

Selection of Other Advisers
Advisory fees charged by TPMMs are separate and apart from our advisory fees. Assets managed by TPMMs
will be included in calculating our advisory fee, which is based on the fee schedule set forth in the Portfolio
Management Services section in this brochure. Advisory fees that you pay to the TPMM are established and
payable in accordance with the brochure provided by each TPMM to whom you are referred. These fees may
or may not be negotiable. You should review the recommended TPMM's brochure and take into consideration
the TPMM's fees along with our fees to determine the total amount of fees associated with this program.

Our recommendations to use third party money managers are included in our portfolio management fee. We
do not charge you a separate fee for the selection of other advisers nor will we share in the advisory fee you
pay directly to the TPMM. Advisory fees that you pay to the TPMM are established and payable in accordance
with the Form ADV Part 2 or other equivalent disclosure document provided by each TPMM to whom you are
referred. These fees may or may not be negotiable. You should review the recommended TPMM's brochure
for information on its fees and services.

You may be required to sign an agreement directly with the recommended TPMM(s). You may terminate your
advisory relationship with the TPMM according to the terms of your agreement with the TPMM. You should
review each TPMM's brochure for specific information on how you may terminate your advisory relationship
with the TPMM and how you may receive a refund, if applicable. You should contact the TPMM directly for
...

Item 7 Types of Clients
We offer investment advisory services to individuals (other than high net worth individuals), high net worth
individuals, pension and profit sharing plans, plan participants, defined contribution plans and trustees, trusts,
estates, charitable organizations, foundations and corporations or other businesses not listed above.

In general, we do not require a minimum dollar amount to open and maintain an advisory account; however,
we have the right to terminate your Account if it falls below a minimum size which, in our sole opinion, is too
small to manage effectively.

Mustard Seed does not impose a minimum account value but does impose a minimum annual account fee.
Mustard Seed generally requires a $2,000 minimum annual fee ($500 quarterly) to provide ongoing investment
advisory and financial planning services to clients. For clients with account values less than $200,000 that pay
the minimum annual fee will pay more than 1% per year which is our standard fee for accounts of $500,000 or
less. However, this fee is negotiable and may vary based on individual, family, or business circumstances.
Mustard Seed advisers have the authority to forgo this minimum fee in favor of the standard Mustard Seed fee
schedule.

We may also combine account values for you and your minor children, joint accounts with your spouse, and
other types of related accounts to meet the stated minimum.