Narus Financial Partners LLC

Item 5 – Fees and Compensation

In addition to the information provided in Item 4 – Advisory Business, this section provides additional
details regarding our firm’s services along with descriptions of each service’s fees and compensation
arrangements. It should be noted that lower fees for comparable service are available from other
sources. The exact fees and other terms will be outlined in the agreement between you and Narus
Financial Partners.

Asset Management Services
Fees charged for our asset management services are charged based on a percentage of assets under
management, billed in arrears (at the end of the billing period) on a quarterly calendar basis and
calculated using the average daily balance of your account(s) during the current billing period.

Fees are prorated (based on the number of days service is provided during the initial billing period) for
your account opened at any time other than the beginning of the billing period. If asset management
services are commenced in the middle of the billing period, then the prorated fee for that billing period will
be billed in arrears at the end of that billing period.

The asset management services continue until terminated by either party (i.e., Narus Financial Partners
or you) by giving thirty (30) days written notice to the other party. When fees are billed in arrears, Narus
Financial Partners will prorate the final fee payment based on the number of days services are provided
during the final period. The amount of client assets on the termination date will be used to determine the
final fee payment.

Narus Financial Partners, LLC                       Page 7                        Form ADV Part 2A: Firm Brochure

The following is our standard fee schedule for assets under management and is provided for illustrative
purposes. We generally do not charge fees greater than the maximums listed below, but fees charged for
our asset management services are negotiable based on the investment adviser representative providing
the services, the type of client, the complexity of the client's situation, the relationship of the client with the
investment adviser representative, and the total amount of assets under management for the client.

         Assets under Management                                               Annual Fees
         $0 – $250,000                                                         1.25%
         $250,001 – $500,000                                                   1.15%
         $500,001 – $750,000                                                   1.05%
         $750,001 – $1,000,000                                                 1.00%
         $1,000,001 – $1,500,000                                               0.95%
         $1,500,001 – $2,000,000                                               0.90%
         $2,000,001 – $3,000,000                                               0.85%
         $3,000,001 – $4,000,000                                               0.80%
         $4,000,001 – $5,000,000                                               0.75%
         $5,000,001 – $7,500,000                                               0.70%
         $7,500,001 – $10,000,000                                              0.65%
         $10,000,001 – $500,000,000                                            0.60%

See Item 7 for our minimum account size policies. Narus Financial Partners believes that its annual fee is
reasonable in relation to: (1) services provided and (2) the fees charged by other investment advisers
offering similar services/programs. However, our annual investment advisory fee can be higher than that
charged by other investment advisers offering similar services/programs. In addition to our
compensation, you will also incur charges imposed at the mutual fund level (e.g., advisory fees and other
fund expenses).

You can choose how to pay your investment advisory fees. The investment advisory fees can be
deducted from your account and paid directly to our firm by the qualified custodian(s) of your account or
you can pay our firm upon receipt of a billing notice sent directly to you.

If you choose to have the investment advisory fees deducted from your account, you must authorize the
qualified custodian(s) of your account to deduct fees from your account and pay such fees directly to
Narus Financial Partners.

You should review your account statements received from the qualified custodian(s) and verify that
appropriate investment advisory fees are being deducted. The qualified custodian(s) will not verify the
accuracy of the investment advisory fees deducted.

If you choose to pay the fees after receiving a statement, fees are due upon your receipt of a billing notice
sent directly to you. The billing notice will detail the formula used to calculate the fee, the assets under
management and the time period covered. Fees for the services of our firm will be due immediately after
your receipt of the billing notice.

Investment Consulting Services
Fees charged for our investment consulting services are charged based on a percentage of assets under
review, billed in arrears (at the end of the billing period) on a quarterly calendar basis and calculated
based on the average daily balance of your account(s) during the current billing period. Fees are due
upon receipt of a billing invoice from our firm.

Narus Financial Partners, LLC                         Page 8                         Form ADV Part 2A: Firm Brochure

Fees are prorated (based on the number of days service is provided during the initial billing period) for
services commencing at any time other than the beginning of the billing period. If services being in the
middle of the billing period, then the prorated fee for that billing period will be billed in arrears at the end of
that billing period.

The investment consulting services continue until terminated by either party (i.e., Narus Financial
...

Item 7 – Types of Clients

Narus Financial Partners generally provides investment advice to the following types of clients:

    •    Individuals
    •    High net worth individuals
    •    Trusts, estates, or charitable organizations
    •    Corporations and small businesses

You are required to execute a written agreement with Narus Financial Partners specifying the particular
advisory services in order to establish a client arrangement with Narus Financial Partners.

Minimum Investment Amounts Required

Narus Financial Partners requires a minimum of $250,000 in order to open an account. To reach this
account minimum, clients can aggregate all household accounts. Exceptions can be granted to this
minimum for anticipation of moving additional assets to Narus Financial Partners, the client's relationship
with firm personnel, and other factors determined by the firm.

The minimum fee generally charged for financial planning services provided on an hourly basis is $200.
The minimum fixed fee generally charged for financial planning services on a fixed fee basis is $1,500.