North Compass Financial Advisors LLC

Item 5           Fees and Compensation

   A.
                                 INVESTMENT ADVISORY SERVICES
         In the event the client determines to engage Registrant on a negotiable fee basis, Registrant
         shall charge an annual investment advisory fee based upon a percentage of the market value
         of the assets being managed by Registrant. The investment advisory fee charged shall vary
         (between 0.75% and 1.25%) based upon a percentage of the market value of the assets
         being managed by Registrant that is generally in accordance with the fee schedules of
         Registrant’s Compass Account services. The Firm’s policy is to treat intra-quarter account
         additions and withdrawals equally unless indicated to the contrary on the Firm’s Investment
         Advisory Agreement executed by the client.

         Compass Account
         The Compass Account is subject to a minimum account size of $10,000. The advisory fee
         shall be based upon a percentage (%) of the market value of the assets placed under
         management (between 0.75% and 1.25%), as follows:

                     Asset Under Management                        Annual Fee
                      First $200,000                                 1.25%
                      Next $300,000                                  1.00%
                      Next $500,000                                  0.90%
                      Thereafter                                     0.75%

         The Compass Account fee shall be paid quarterly, in advance, based upon the market value
         of the Assets on the last business day of the previous quarter.

                    VARIABLE ANNUITY ADVISORY SERVICE
    The Registrant’s annual fee for providing advisory services with respect to the allocation
    of assets among subaccounts of a client’s variable annuity is based on the Compass
    Account schedule above.

                     RETIREMENT PLAN CONSULTING SERVICE
    The Retirement Plan Consulting Service annual fee shall vary (between 0.25% and 0.75%)
    and shall be based upon a (%) of the market value of the assets being managed, which fee
    shall be prorated and paid monthly, in arrears, based upon the market value of the assets
    on the last business day of the previous month.

    Fee Dispersion
    The Registrant’s investment advisory fee is negotiable at Registrant’s discretion,
    depending upon objective and subjective factors including but not limited to: the amount
    of assets to be managed; portfolio composition; the scope and complexity of the
    engagement; the anticipated number of meetings and servicing needs; related accounts;
    future earning capacity; anticipated future additional assets; the professional(s) rendering
    the service(s); prior relationships with the Registrant and/or its representatives, and
    negotiations with the client. As a result of these factors, similarly situated clients could pay
    different fees, the services to be provided by the Registrant to any particular client could
    be available from other advisers at lower fees, and certain clients may have fees different
    than those specifically set forth above. The Registrant’s Chief Compliance Officer,
    Raymond Nikkel, remains available to address any questions that a client or
    prospective client may have regarding the above fee determination.

B. Clients may elect to have the Registrant’s advisory fees deducted from their custodial
   account. Both Registrant's Investment Advisory Agreement and the custodial/clearing
   agreement may authorize the custodian to debit the account for the amount of the
   Registrant's investment advisory fee and to directly remit that management fee to the
   Registrant in compliance with regulatory procedures. In the limited event that the
   Registrant bills the client directly, payment is due upon receipt of the Registrant’s invoice.

    The Compass Account annual fee, Variable Annuity Advisory Services annual fee and
    Retirement Plan Consulting Services annual fee shall be prorated and paid quarterly, in
    advance, based upon the market value of the Assets on the last business day of the previous
    quarter. The Registrant shall deduct fees and/or bill clients quarterly in advance, based
    upon the market value of the assets on the last business day of the previous quarter.

C. As discussed below, unless the client directs otherwise or an individual client’s
   circumstances require, the Registrant shall generally recommend that Fidelity serve as the
   broker-dealer/custodian for client investment advisory assets. Broker-dealers such as
   Fidelity charge brokerage transaction fees for effecting certain securities transactions (i.e.
   transaction fees are charged for certain no-load mutual funds, exchange traded funds, and
   fixed income securities transactions). Clients will incur, in addition to Registrant’s
   investment advisory fee, certain transaction fees, and, relative to all mutual fund and
   exchange traded fund purchases, charges imposed at the fund level (e.g. management fees
   and other fund expenses).

D. The Registrant's Compass Account requires that clients pay an annual investment advisory
   fee that shall be prorated and paid quarterly, in advance, based upon the market value of
   the assets on the last business day of the previous quarter. Registrant generally requires a
   Client minimum of $100,000 for its investment advisory services. However, Registrant, in

         its sole discretion, may waive its annual minimum account size and/or charge a lesser
         investment advisory fee based upon certain criteria (i.e. anticipated future earning capacity,
         anticipated future additional assets, dollar amount of assets to be managed, related
         accounts, account composition, negotiations with client, etc.).
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Item 7           Types of Clients

         The Registrant’s clients shall generally include individuals, business entities, pension and
         profit sharing plans, trusts, estates and charitable organizations and corporations. Before
         agreeing to provide investment advisory services, the Registrant generally requires an
         account minimum of $100,000 for its investment advisory services.

         Registrant, in its sole discretion, may charge a lesser investment advisory fee, waive or
         modify its account minimum or minimum fee, and/or a charge a flat fee based upon certain
         criteria (i.e. anticipated future earning capacity, anticipated future additional assets, dollar
         amount of assets to be managed, related accounts, account composition, competitive pricing,
         negotiations with client, etc.). Please Note: As result of the above, similarly situated clients
         could pay different fees. In addition, similar advisory services may be available from other
         investment advisers for similar or lower fees. ANY QUESTIONS: Registrant’s Chief
         Compliance Officer, Raymond Nikkel, remains available to address any questions that
         a client or prospective client may have regarding advisory fees.