Plexus Financial Services LLC

ITEM 5. FEES AND COMPENSATION
FEES: PFS provides Services on a non-discretionary basis using the following compensation methods as agreed upon at the direction of
the Client:
  1)   Hourly Fee
  2)   Quarterly Participant Fee (based upon plan participants)
  3)   Annual Participation Fee (based upon plan participants)
  4)   Flat Dollar Fee (negotiable)
Fees are either billed directly to the Client or deducted from Plan assets through the following methods: (i) 12b-1 fees deducted from
Plan investments (ii) Percentage fees deducted from Plan investments (iii) Flat Fees deducted from Plan investments (generally quarterly)
(iv) Flat Fee deducted from forfeiture account (v) Flat Fee deducted from ERISA budget account. Fees are billed according to the option(s)
indicated below as agreed upon with the Client. In any case the specific fees are laid out in a clear understandable manner prior to
contract. Such billing period is the “Fee Period.” For purposes of determining and calculating Fees, Plan assets are based on Included
Assets.
  1) One-Time Fee
  2) Quarterly in arrears, based upon the total asset value of Client's account at the end of each quarter. Such Fees are due and payable
     the following business day. Upon termination of the Agreement, PFS will be due the applicable Fee based on a pro-rata basis for
     the number of days during the quarter which the Client received investment advisory consulting services.
  3) Quarterly in advance. The initial Fee will be calculated from the date of this agreement or when the account is funded, to the end
     of the quarter. Subsequent Fees shall be based upon the total asset value of Client's account at the end of the previous quarter.
     Such Fees are due and payable the following business day.
COMPENSATION: PFS is compensated in a variety of ways from both our Clients and/or financial institutions recommended to and
selected by advisory Clients. Please note this section is general in nature and provides details as to the different compensation methods
utilized by PFS to support the Plan. For a specific breakdown of both direct and indirect Fees, please consult the sections outlining both
the direct and indirect compensation paid specific to your Plan within the Agreement as well as the Fee Disclosure that accompanies the
Agreement. For any specific questions related to Fees, the Agreement, or ERISA 408(b)(2) Fee Disclosure please contact your advisor.
General descriptions of compensation arrangements are outlined below:
  Flat Rate Fees – Some Clients may negotiate a Flat Rate Fee for Services in lieu of, or in addition to, Fees paid by financial institutions
  recommended to and selected by Clients. Fee agreements are in writing, pursuant to an Agreement, which sets forth the Services to
  be provided by PFS, the compensation to be paid directly and/or indirectly to PFS, and the terms of engagement. The Fee may be
  collected in whole, or in part, through the crediting of Fees collected by PFS by the financial institutions recommended to and selected
  by Clients.
  Flat Percentage Fees – Some Clients may negotiate a Flat Percentage Fee as a percentage of Total Plan assets or contributions for
  Services in lieu of, or in addition to, Fees paid by financial institutions recommended to and selected by Clients. Fee agreements are in
  writing, pursuant to an Agreement, which sets forth the Services to be provided by PFS, the compensation to be paid directly and/or
  indirectly to PFS, and the terms of engagement. The Fee may be collected in whole, or in part, through the crediting of Fees collected
  by PFS by the financial institutions recommended to and selected by Clients.
  Annualized Fees – Some Clients may negotiate an Annualized Fee as a percentage of Total Plan assets or contributions for Services in
  lieu of, or in addition to, Fees paid by financial institutions recommended to and selected by Clients. Fee agreements are in writing,
  pursuant to an Agreement, which sets forth the Services to be provided by PFS, the compensation to be paid directly and/or indirectly
  to PFS, and the terms of engagement. The Fee may be collected in whole, or in part, through the crediting of Fees collected by PFS by
  the financial institutions recommended to and selected by Clients.
  Advisor Fees – Some Clients may negotiate an Advisor Fee for Services in lieu of, or in addition to, Fees paid by financial institutions
  recommended to and selected by Clients. The amount of the advisor Fee may vary depending on several factors specific to each Plan.
  Further, Advisor Fees can vary from transaction to transaction. Fee agreements are in writing, pursuant to an Agreement, which sets
  forth the Services to be provided by PFS, the compensation to be paid directly and/or indirectly to PFS, and the terms of engagement.
  The Fee may be collected in whole, or in part, through the crediting of Fees collected by PFS by the financial institutions recommended
  to and selected by Clients.

  Additional Service Fees – Some Clients may elect to include a variety of ancillary services available/provided by PFS or non-affiliated
  third-party vendors. Additional services may be completed by PFS directly or through the use of a third-party vendors in an effort to
  satisfy the Client’s needs. Services requiring the use of third-party vendors are separate from the standard services in the Agreement.
  Further, these additional services are subject to separate pricing based on the services selected and the parameters of the Plan. Fees
  for services not provided directly by PFS are invoiced separately and billed directly to the Client. As a result, these fees are not covered
  by the Plan or paid from Plan assets.

  Indirect/Bonus Fees – Some financial institutions recommended to and selected by advisory Clients agree to make bonus payments to
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ITEM 7. TYPES OF CLIENTS
Plexus Financial Services, LLC offers investment consulting/advisory services to employer-sponsored retirement Plans and other
corporate entities. Our Clients generally consist of the Plan Sponsor (or to the extent the Plan Sponsor has delegated its investment
authority to an investment committee), as the Responsible Plan Fiduciary on behalf of a Retirement Plan.
ITEM 8. METHODS FOR ANALYSIS, INVESTMENT STRATEGIES, AND RISK OF LOSS
METHODS FOR ANALYSIS
In providing our investment consulting/advisory services, we review available quantitative data to analyze and screen the investment
options within a Plan. The primary sources of information utilized by PFS include third party financial software, financial publications,
annual reports, prospectuses, press releases and Securities and Exchange Commission filings. Performance, expense and other data
relating to specific funds is generally obtained through third-party databases or other software including Morningstar and Retirement
Plan Advisory Group, Inc. (“RPAG”), and may be obtained through other reputable third-party vendors and sources.
PFS applies a variety of criteria in choosing funds for each asset class, including historical returns, fee ratios, management tenure and
several other criteria, the application of which may cause a recommended portfolio to be theoretically less efficient than it may have
been had other fund recommendations been made. Additionally, PFS’s ability to match funds to asset classes for any given Plan is limited,
potentially significantly, due to limitations in the number and/or types of funds offered in any particular Plan.
Please note that general portfolio recommendations provided by PFS to a Client do not take into account investments and other assets
held by any Plan Participant, individually, or outside of that Plan. We strongly urge Clients to direct Plan Participants to speak with a
qualified investment professional to assist with their individual allocations and goals. Additionally, as PFS is reliant upon Plan Participants
and other parties to provide updated Plan information, recommendations made by PFS may not always capture or include changes to a
roster of funds offered in a given Plan if those changes are not properly communicated.

TAX CONSIDERATIONS
Plan Participants must consider the impact, if any, that an investment in or a distribution from a retirement account may have an impact
on your tax situation. Potential tax consequences may exist. PFS does not provide tax advice and encourages you to consult with a tax
professional with any specific questions.

RISK OF LOSS & OTHER LIMITATIONS
Investing in mutual funds and other investments involves risk, including the risk of a loss of principal, considered Principal Risk. There is
no guarantee that PFS’s investment methodology will result in a positive investment return for any Client portfolio. We do not represent
or guarantee that our services or methods of analysis can or will predict future results, successfully identify market tops or bottoms, or
insulate Clients from losses due to market corrections or declines. We cannot offer any guarantees or promises that your financial goals
and objectives will be met.

Past performance is in no way an indication of future performance. Clients should never assume that future performance of any specific
investment or investment strategy will be profitable. Investing in securities of any kind (including stocks, mutual funds, and bonds, etc.)
involves risk of loss. Further, depending on the different types of investments there may be varying degrees of risk. You should be
prepared to bear investment loss including loss of original principal.
Because of the inherent risks associated with investing, PFS is unable to represent, guarantee, or even imply that our services and
methods of analysis can or will predict future results or insulate Clients from losses due to market corrections or declines. Further, the
Plan as well as the individual investment vehicles selected (as well as their specific underlying securities) may be subject to a variety of
risk(s) including, but not limited to the following:
  Market Risk – is the possibility for an investor to experience losses due to factors that affect the overall performance of the
  financial markets in which they may be involved. Market risk, also called "systematic risk," cannot be eliminated through
  diversification. Individual company stock is susceptible to general stock market fluctuations and to volatile increases and decreases in
  value as market confidence in and perceptions of their issuers change.
  Business Risk - When investing in stock positions, there is always a certain level of company or industry specific risk that is inherent in
  each investment. This is also referred to as unsystematic risk and may be reduced through appropriate diversification.
  Credit/Default Risk - When investing in bonds, there is the risk that the issuer will default on the bond and be unable to make payments.
  Inflation Risk - Investors who depend on set amounts of periodically paid income related to bonds or fixed annuities face the risk that
  inflation may erode their spending power. Fixed-income investments receive set, regular payments that face the same inflation risk.
  Exchange Traded Fund (ETF) and Mutual Fund Risk – When investing in an ETF or mutual fund, investors may bear additional expenses
  including the potential duplication of management fees. The risk of owning an ETF or mutual fund generally reflects the risks of owning
  the underlying securities the ETF or mutual fund holds.

  Cybersecurity Risks – With the increased use of technology to conduct business, the Firm and its affiliates are susceptible to
  operational, information security, and related risks. In general, cyber incidents can result from deliberate attacks or unintentional
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