Optimum Financial Services LLC

Item 5 – Fees and Compensation

  The following paragraphs detail the fee structure and compensation methodology for services provided by the
  Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or
  more written agreements with the Advisor.

  A. Fees for Advisory Services
  Investment Management Services
  Investment advisory fees are paid quarterly, at the end of each calendar quarter, pursuant to the terms of the
  investment advisory agreement. Investment advisory fees are based on the average daily balance of assets under
  management during the quarter. Investment advisory fees are either at fixed annual rate ranging from 0.35% to
  1.50% or based on one the following fee schedules below.

  Client portfolios compromised solely of fixed income securities, mutual funds, and exchange-traded funds, the
  investment advisory fees are based on the following incremental schedule:

                      Assets Under Management ($) *         Annual Rate (%)
                      First $500,000                               0.75%
                      Next $500,000                                0.65%
                      Next $1,000,000                              0.55%
                      Next $3,000,000                              0.45%
                      Next $5,000,000                              0.35%
                      Over $10,000,000                           Negotiable
                     * Accounts with $150,000 or less are charged an annual rate of 1.00%

  Client portfolios compromised of individual stocks, or portfolios that contain a portion of individual stocks and fixed
  income securities, mutual funds, and exchange-traded funds, the investment advisory fees are based on the
  following incremental schedule:

                      Assets Under Management ($)               Annual Rate (%)
                      First $500,000                                  1.00%
                      Next $500,000                                   0.90%
                      Next $1,000,000                                 0.80%
                      Next $3,000,000                                 0.70%
                      Next $5,000,000                                 0.60%
                      Over $10,000,000                              Negotiable

                                                Optimum Financial Services, LLC
                                        1817 Crane Ridge Dr., Suite 200, Jackson, MS 39216
                                            Phone: (601) 981-5900 * Fax: 601-981-5939
                                                         www.ofspm.com

  Client portfolios invested in the Growth Stock Strategy, which is comprised of individual stocks and exchange-
  traded funds, chosen purely for their growth characteristics, the investment advisory fees are based on the
  following incremental schedule:
                     Assets Under Management ($)            Annual Rate (%)
                     First $250,000                                  1.50%
                     Next $250,000                                   1.25%
                     Next $500,000                                   1.00%
                     Next $1,000,000                                 0.90%
                     Above $2,000,000                                0.80%

  The Growth Stock Strategy portfolios will not contain any fixed income securities but can hold cash or money
  market securities.

  The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to
  the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take
  into consideration the aggregate assets under management with the Advisor. All securities held in accounts
  managed by Optimum will be independently valued by the Custodian. Optimum will conduct periodic reviews of
  the Custodian’s valuations.

  The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and
  other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the
  Advisor shall not receive any portion of these commissions, fees, and costs.

  Investment Consulting Services
  Optimum offers investment consulting services at a minimum hourly rate of $150 per hour and requires at least a
  two (2) hour engagement. Fees may be negotiable based on the nature and complexity of the services to be
  provided and the overall relationship with the Advisor. An estimate for total hours and overall costs will be provided
  to the Client prior to engaging for these services.

  Investment Management Platform
  As noted above in Item 4, the Client’s fee charged by the Investment Platform includes securities transaction fees
  for implementing and rebalancing the Client’s account[s]. Optimum does not earn any compensation from
  Investment Platforms and does not charge its own advisory fee for assets referred to an Investment Platform.

  Retirement Plan Advisory Services
  Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.00%, billed at the end
  of each calendar quarter, pursuant to the terms of the agreement. Retirement plan fees are based on the average
  daily value of assets under management during the quarter. Fees may be negotiable depending on the size and
  complexity of the Plan.

  B. Fee Billing
  Investment Management Services
  Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
  the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
  from the Client’s account[s] at the end of each quarter. The amount due is calculated by applying the quarterly rate
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Item 7 – Types of Clients

  Optimum offers investment advisory services to individuals, high net worth individuals, trusts, estates,
  partnerships, businesses, and retirement plans. The amount of each type of Client is available on Optimum’s
  Form ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor.
  Optimum generally does not impose a minimum relationship size.