Ralph Parks Investment Group LLC

5. Fees and Compensation

Wealth Management Services

Wealth management fees (“fees”) are based on the market value of assets under
management at the closing date of the previous quarter. Funds added or withdrawn
from an account during the previous quarter are charged on a pro-rata basis. Initially,
fees are billed at the end of the first quarter of the engagement and quarterly in
advance thereafter.

The fee schedule below details the maximum fee charged to Client accounts:

  Type of Service                              Quarterly (%)        Annually (%)

 Discretionary Account                             0.375%               1.50%

Fees are calculated by the Advisor and deducted from the Client’s account[s] by the
Custodian. The Advisor sends an invoice to the Custodian indicating the amount of the
fees to be deducted from the Client’s account[s]at the beginning of each quarter. The
amount due is calculated by applying the quarterly rate (annual rate divided by 4) to
the total assets under management with Parks Capital at the end of the prior quarter.
The Custodian provides each Client with a statement, at least quarterly, that reflects
the deduction of the Advisor’s fee. It’s the responsibility of the Client to verify the
accuracy of the fees reflected on each statement as the Custodian does not assume this
responsibility. Clients provide written authorization permitting advisory fees to be
deducted by Parks Capital directly from their account[s] held by the Custodian as part
of the wealth management agreement and separate account forms provided by the
Custodian.

Either party may terminate the wealth management agreement, at any time, by
providing advance written/verbal notice to the other party. The Client may also
terminate thewealth management agreement within five (5) business days of signing
the Advisor’sagreement at no cost to the Client. After the five-day period, the Client
will incur charges for bona fide advisory services rendered to the point of termination
and such fees will be due and payable by the Client. The Advisor will refund any
unearned, prepaid wealth management fees from the effective date of termination to
the end ofthe quarter. The Client’s wealth management agreement with the Advisor is
non- transferable without the Client’s prior consent.

Financial Planning Services

The Advisor provides financial planning services to Clients of the firm on a
complimentary basis. There is no separate fee for these services.

Retirement Plan Advisory Services

Fees for retirement plan advisory services are assessed as an annual asset-based fee
ranging up to 1.00%, paid quarterly, at the end of each calendar quarter. Retirement
plan advisory fees are based on the market value of assets under management at the
closing date of the previous quarter. Fees may be negotiable depending on the size
and complexity of the Plan.

Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted
from the assets of the Plan, depending on the terms of the retirement plan advisory
agreement.

Either party may terminate the retirement plan advisory agreement, at any time, by
providing advance written notice to the other party. The Client’s retirement plan
advisory agreement with the Advisor is non-transferable without the Client’s prior
consent.

Other Fees and Expenses

Clients may incur certain fees or charges imposed by third parties, other than Parks
Capital, in connection with investments made on behalf of the Client’s account[s].
The Client is responsible for all custody and securities execution fees charged by the
Custodian, as applicable. The Advisor's recommended Custodian does not charge
securities transaction fees for ETF and equity trades in a client’s account, provided
that the account meets the terms and conditions of the Custodian's brokerage
requirements. However, the Custodian typically charges for mutual funds and other
types of investments. The fees charged by Parks Capital are separate and distinct
from these custody and execution fees.

In addition to the fees that Clients pay directly to Parks Capital for investment advisory
services, Clients will indirectly incur the ongoing associated with an investment in
mutual funds and ETFs. These fees and expenses, which comprise a fund’s expense
ratio, are described in each fund’s prospectus. These fees and expenses will generally
be used to pay management feesfor the funds, other fund expenses. A Client may be
able to invest in these products directly, without the services of Parks Capital, but would
not receive the services provided by Parks Capital which are designed, among other
things, to assist the Client in determining which products or services are most
appropriate for each Client’s financial situation and objectives. Accordingly, the Client
should review both the fees charged by the fund[s] and the fees charged by Parks
Capital to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage
Practices foradditional information.

Compensation for Sales of Securities

Parks Capital is a fee-based registered investment advisory firm. This means that the
Advisor and its Advisory Persons do not accept compensation for sale of securities or
investment products including asset-based sales charges or service fees from sale of
mutual funds.

7. Types of Clients

Parks Capital offers wealth management services to a diverse range of investors. Our
clients include individuals, high net worth individuals, trusts, estates, businesses,
corporations and retirement plans. The minimum size for a managed account is
$500,000, which may be reduced in the sole discretion of the Advisor.