Parker Financial LLC

Item 5: Fees and Compensation

A. Fee Schedule

Investment Supervisory Services Fees
     These fees are negotiable and the final fee schedule is included in the Investment
     Advisory Agreement. Typically PF charges between 0.5% to 2%, depending on the size
     and complexity of a client’s account per year, however PF will occasionally give a friends
     and family discount. Other exceptions will apply to employees of PF and their relatives, or
     relatives of existing clients. Fees are paid quarterly in advance when using
     Envestnet/Fidelity. Fees are paid monthly in arrears when using Freedom
     Advisor/Goldman Sachs. Clients may terminate their contracts with thirty days’ written
     notice. Refunds are given on a prorated basis, based on the number of days remaining in
     a quarter for Envestnet/Fidelity or monthly for Freedom Advisor/Goldman Sachs at the
     point of termination. Clients may terminate their contracts without penalty, for full refund,
     within 5 business days of signing the Investment Advisory Agreement. Advisory fees are
     withdrawn directly from the client’s accounts with client written authorization. Clients will
     receive invoices/billing statements showing the calculated portion of PF’s fees that are
     deducted from their accounts, as well as the other fees outlined below, quarterly from
     Envestnet/Fidelity or monthly from Freedom Advisor/Goldman Sachs at the time they are
     deducted.

     In addition to Parker Financial’s management fee, there are additional fees such as a
     platform fee, custodian fee, trading costs, SEC fees and these fees are outlined in the
     Statement of Investment Selection and the Private Wealth Management Program Terms
     and Conditions for clients with assets at Fidelity/Envestnet. For clients with accounts at
     Freedom Advisor/Goldman Sachs these additional fees are disclosed in the Proposal and
     Investment Policy Statement.

     In all instances, the adviser will send the client a written invoice, including the fee, the
     formula used to calculate the fee, the fee calculation itself, the time period covered by the
     fee, and, if applicable, the amount of assets under management on which the fee was
     based and the name of the custodian(s) on your fee invoice. The adviser will send these
     to the client concurrent with the request for payment or payment of the adviser’s advisory
     fees. We urge the client to compare this information with the fees listed in the account
     statement. Envestnet or Freedom Advisor, our third-party money managers as listed
     below, will collect the total fee from the client and deliver the noted invoice to the client.

Selection of Other Advisers Fees

     PF will direct clients to third-party money managers; Envestnet or Freedom Advisor. PF
     will be compensated via a fee share from the advisers to which it directs those clients.
     These third-party money managers will charge between 0.2% to 1%* per year depending
     on the size and complexity of the accounts. Some selections charge a minimum flat fee if
     the funds invested fall below a certain threshold. When this happens the amount charged

     can exceed 1% and may extend upwards of 4%. This relationship will be disclosed in each
     contract between PF and Envestnet or Freedom Advisor. The fees shared will not exceed
     any limit imposed by any regulatory agency. Fees are collected monthly in arrears for
     clients using Freedom Advisor and quarterly in advance for clients using Envestnet.
     Clients may terminate their contracts with ten days written notice. Refunds are given on a
     prorated basis, based on the number of days remaining in a quarter at the point of
     termination.

Financial Planning & Investment Consulting Fees

Fixed Fees

     Depending upon the complexity of the situation and the needs of the client, the rate for
     creating client financial plans is generally a minimum of $5,000. Fees are paid in advance,
     but never more than six months in advance. Fees that are charged in advance will be
     refunded based on the prorated amount of work completed at the point of termination. The
     fees are negotiable and the final fee schedule will be attached to the Financial Planning &
     Investment Consulting Agreement. Clients may terminate their contracts without penalty
     within five business days of signing the advisory contract.

     To the extent requested by a client, PF may determine to provide limited
     retirement/investment planning consulting services on a stand-alone separate fee basis.
     Prior to engaging PF to provide consulting services, clients are required to enter into a
     Financial Planning & Investment Consulting Agreement with PF setting forth the terms
     and conditions of the engagement (including termination), describing the scope of the
     services to be provided, and the portion of the fee that is due from the client prior to PF
     commencing services.

     Clients who are only purchasing an insurance product through PF are not required to first
     enter into a Financial Planning & Investment Consulting Agreement and no fee shall be
     required. Clients should be aware that these services pay a commission and involve a
     possible conflict of interest, as commissionable products can conflict with the fiduciary
     duties of a registered investment adviser. PF always acts in the best interest of the client;
     including the sale of commissionable products to advisory clients. Clients are in no way
     required to implement the plan through any representative of PF in their capacity as an
     insurance agent.

     Financial Planning Fee to create a Retirement Plan Only        $5000+*
            Can include Retirement Budget Calculator Review/Creation & Report, Social
            Security Timing Report, Asset Allocation Recommendation & Time Segmented
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Item 7: Types of Clients

     PF generally provides investment advice and/or management supervisory services to the
     following types of clients:

     Individuals
     High-Net-Worth Individuals

Minimum Account Size

            There is an account minimum, $500,000, which may be waived by the investment
            adviser, based on the needs of the client and the complexity of the situation. Other
            exceptions will apply to employees of PF and their relatives, or relatives of existing
            clients.