RFM Financial Solutions LLC

Item 5       Fees and Compensation

                                  PORTFOLIO MANAGEMENT FEES

For portfolio management accounts having a minimum of $50,000 in assets, our annualized fee for
Investment Supervisory Services is charged as a percentage of assets under management, according to
the following tiered fee schedule:

            Assets Under Management                                          Annual Fee

                $50,000 to $500,000                                            1.00%

               $500,001 to $1,000,000                                          0.80%

              $1,000,001 to $2,500,000                                         0.65%

               $2,500,001 and above                                            0.50%

Our fees are billed in arrears at the end of each calendar quarter based upon the value (market value or
fair market value in the absence of market value), of the client's account at the end of the previous
quarter. Clients may elect to pay RFMFS upon receipt of the invoice; otherwise fees will be debited from
the account in accordance with the client authorization in the Client Services Agreement. RFMFS
requires a minimum annual fee of $1,000 for its Portfolio Management Services. Accordingly, clients
with assets below $100,000 will pay advisory fees higher than our stated fee schedule.

Limited Negotiability of Advisory Fees: Although RFMFS has established the aforementioned fee
schedule(s), we retain the discretion to negotiate alternative fees on a client-by-client basis. Client facts,
circumstances and needs are considered in determining the fee schedule. These include the complexity
of the client, assets to be placed under management, anticipated future additional assets; related
accounts; portfolio style, account composition, reports, among other factors. The specific annual fee
schedule is identified in our contract with each client.

                                      PENSION CONSULTING FEES

RFMFS receives a combination of fees for pension consulting services. RFMFS charges self-directed plan
accounts a fee of 0.75% of assets under advisement (with a non-negotiable minimum annual fee of $75).
These fees are calculated on a quarterly basis in arrears and are deducted directly from the participants'

investment account. In addition, RFMFS will bill the employer directly for set-up fees that are
determined based on the number of participants, according to the following schedule:

            1 - 5 employees                  $500
            6 - 10 employees                 $750
            11 - 20 employees                $1,000
            Over 20 employees                $1,000 plus $40 for each additional participant
            Adding new employees after initial plan set-up - $100 per employee

                                    FINANCIAL PLANNING FEES

RFMFS’s Financial Planning fee is determined based on the nature of the services being provided and
the complexity of each client’s circumstances. All fees are agreed upon prior to entering into a contract
with the client. If the estimated time appears to be in excess of our initial proposal, we will contact the
client directly to discuss it.

Our Financial Planning fees are calculated and charged on an hourly basis, ranging from $95 to $250 per
hour depending on the professional(s) providing this service. Although the length of time it will take to
provide a Financial Plan will depend on each client's personal situation, we will provide an estimate for
the total hours at the start of the advisory relationship.

The client is billed in full upon completion and delivery of the financial plan. Fees are due and payable
upon receipt of our invoice.

                                   CONSULTING SERVICES FEES

Our Consulting Services fee is determined based on the nature of the services being provided and the
complexity of each client’s circumstances. All fees are agreed upon prior to entering into a contract with
any client.

Our Consulting Services fees are calculated and charged on an hourly basis, ranging from $95 to $250
per hour. An estimate for the total hours is determined at the start of the advisory relationship. The
client is billed monthly in arrears based on actual hours accrued.

                                      GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be canceled at any time, by either
party, for any reason upon receipt of written notice. As RFMFS’ fees are billed and collected in arrears,
no fee refunds will be required; however, any earned, unpaid fees will be due and payable.

Mutual Fund Fees: All fees paid to RFMFS for investment advisory services are separate and distinct
from the fees and expenses charged by mutual funds and/or ETFs to their shareholders. These fees and
expenses are described in each fund's prospectus. These fees will generally include a management fee,
other fund expenses, and a possible distribution fee. If the fund also imposes sales charges, a client may
pay an initial or deferred sales charge. A client could invest in a mutual fund directly, without our
services. In that case, the client would not receive the services provided by our firm which are designed,
among other things, to assist the client in determining which mutual fund or funds are most appropriate

to each client's financial condition and objectives. Accordingly, the client should review both the fees
charged by the funds and our fees to fully understand the total amount of fees to be paid by the client
and to thereby evaluate the advisory services being provided.

Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible for the fees
and expenses charged by custodians and imposed by broker dealers, including, but not limited to, any
transaction charges imposed by a broker dealer with which an independent investment manager effects
...

Item 7        Types of Clients

RFMFS provides advisory services to the following types of clients:

    •   Individuals (other than high net worth individuals)
    •   High net worth individuals
    •   Corporations or other businesses not listed above
    •   Charitable Organizations

As previously disclosed in Item 5, our firm has established certain minimum annual fee requirements,
based on the nature of the service(s) being provided. For a more detailed understanding of those
requirements, please review the disclosures provided in each applicable service.