Provident Living Financial Services Inc

ITEM 5: FEES AND COMPENSATION

        Section 5.01 Method of Compensation and Fee Schedule
        Advisor will provide to all prospective first-time clients up to 15 minutes of consultation free of charge &
        without obligation during which the client will be able to get advice on and select the service program
        that best suits their needs.

        Fees are calculated and applied at the household level rather than by account allowing the client to
        hit any applicable fee breakpoints faster. A household is defined as immediate family living at the same
        address or separate addresses if eligible as a tax-dependent of the head of household. The Advisor may
        extend, at their sole discretion, the definition of household to include those living at the same address or
        blood relatives one-generation either side of a respective client.

        Clients may terminate their enrollment in an advisory program within five (5) business days of signing
        the Agreement for a full refund. Clients may terminate advisory services with thirty (30) days written
        notice or if the Client requests an account transfer in writing to another investment custodian. Client will
        be entitled to a pro-rata refund for any unearned, prepaid fees at the time of the following scheduled
        practice quarterly billing. Client shall be given thirty (30) days prior written notice of any increase in
        applicable program fees, and client will acknowledge, in writing, any agreement of increase in said fees.

        Pricing and related assets under management minimums for household advisory programs are as follows:

        INVESTMENT ADVISORY & MANAGEMENT SERVICES: FINIQUE 360

        Section 5.01 Method of Compensation and Fee Schedule

        Quarterly Advisory Cost: FINIQUE 360 (based on assets under advisement)

             ▪    Tier 1 (First $10 million):       0.50%
             ▪    Tier 2 (Next $90 million):        0.25%
             ▪    Tier 3 (> $100 million):          0.125%

        Exceptions to above fee schedule: (as multiple discounts may not be combined the most valuable
        discount will be applied for Client at the time of inception):

             ✓    STARTER: Finique 360 fee is waived if client household assets are less than $10,000
             ✓    NON-PROFIT: 25% discount on donor-advised funds & 50% discount off other non-profit accounts.
             ✓    GRANDFATHER EXISTING CLIENTS: Original client fee schedule will be honored until new agreement is signed.
             ✓    HERO: 25% discount for 1st responders, active-duty military, veterans, caregivers, medical workers, &
                  educators
             ✓    TEAM-MEMBER FAMILY: Immediate family (parents, siblings, & children) receive 50% discount on Tier 1 only
             ✓    SUPER-SAVER 50-for-50: 0.50% flat rate of 0.50% /YR on all AUM with proof of 50% household savings
                  rate on gross income adjusted for income taxes. Must requalify each year.
             ✓    INFLUENCER: Applies and offered on a case-by-case basis
             ✓    COMPETITIVE: Applies and offered on a case-by-case basis with proof of lower fees for similar services
             ✓    PROMOTIONAL CAMPAIGNS: Will vary and may be offered from time-to-time at Advisor’s discretion
             ✓    PER ACCOUNT ADMINISTRATIVE FEE: Advisor reserves the right to bill client up to $25 /QTR per account
             ✓    POSSIBLE THIRD-PARTY COSTS: These typically relate to money manager and custodian costs^,
                  may vary, & are paid directly or may be reimbursed to Advisor by the client

2026 © Provident Living Financial Services, Inc.                                                      ADV 2A                  9

        ^ Advisor receives no indirect or direct compensation from 3rd party providers

        CATHEDRAL LEGACY AND WEALTH STEWARDSHIP SERVICES
        The following fee schedule shall apply for Advisor services with this program. Discounts may be available
        for bulk commitments:

            STEWARDSHIP PHASE                Finique 360 client with >$1m AUM        Standard rate for everyone else
            Evaluate                         No greater than $5,000 / occurrence     No greater than $10,000 / occurrence
            Design                           No greater than 10,000 / occurrence
                                                             $
                                                                                     No greater than $20,000 / occurrence
            Build                            No greater than $10,000 / occurrence    No greater than $20,000 / occurrence
            Manage                           Negotiated at time of selection of      Negotiated at time of selection of
                                             service scope                           service scope

        FINANCIAL WELLNESS & ADVOCACY SERVICES
        All financial wellness & advocacy services, including any out-of-scope services are billed at the
        advisor’s hourly rate of $200 /HR (billed in and rounded up to 15 minute increments), unless a membership-
        based flat fee, fee waiver, override, or discount applies as indicated below or in section 4.02.

        ESTATE PLANNING SUPPORT SERVICES TECHNOLOGY PLATFORM
        The standard fee for platform access shall be $1,500 one-time plus $500 per any subsequent document
        builder access session. For any clients with Advisor memberships, this standard fee shall be waived and
        replaced by the applicable surcharge referenced in this section below. VIP+ clients will not be subject to
        a surcharge. While intended as a self-help tool, the client may additionally engage the Advisor for
        additional support using this tool at their hourly rate.

        FINANCIAL WELLNESS & ADVOCACY MEMBERSHIPS
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