RLB Financial LLC

Item 5: Fees and Compensation
  Method of Compensation and Fee Schedule
  ASSET MANAGEMENT
  RLB offers discretionary direct asset management services to advisory clients. RLB
  charges an annual investment advisory fee of 1.55% based on the total assets under
  management.
  The annual Fee may be negotiable. Accounts within the same household may be combined
  for a reduced fee. Fees are billed quarterly in advance based on the amount of assets
  managed as of the last business day of the previous quarter. Initial fees for partial
  quarters are pro-rated. Quarterly advisory fees deducted from the clients' account by the
  custodian will be reflected in a provided fee invoice as fees are withdrawn. Lower fees for
  comparable services may be available from other sources. Clients may terminate their
  account within five (5) business days of signing the Investment Advisory Agreement with
  no obligation. Clients may terminate advisory services with thirty (30) days written
  notice. For accounts closed mid-quarter, RLB will be entitled to a pro rata fee for the days
  service was provided in the final quarter. Client shall be given thirty (30) days prior
  written notice of any increase in fees. Any increase in fees will be acknowledged in
  writing by both parties before any increase in said fees occurs.
  RLB may also utilize the services of a Sub-Advisor to manage Clients’ investment
  portfolios. RLB will enter into Sub-Advisor agreements with other registered investment
  advisor firms. When using Sub-Advisors, the Client will not pay additional fees. The Sub-
  Advisors fees are inclusive of the fees charged by RLB.
  SEI Managed Account Solutions and SEI Mutual Fund Models Program
  For the SEI Managed Account Solutions (MAS) program RLB charges a maximum annual
  investment advisory fee of 1% on the total assets under management.
  The annual fee may be negotiable.
  SIMC’s advisory fee schedule for MAS range from .10% to 1.25%. Certain Clients may
  receive a fee discount, at the sole discretion of SIMC. These fees may be higher or lower
  than those charged by other investment advisors for similar services. SIMC may pay a
  portion of this fee to the portfolio manager acting as the account's Overlay Manager or
  retain the fee itself if it is serving as the Overlay Manager.
  To the extent a Client’s assets in MAS are invested in SEI Funds, SIMC and its affiliates will
  earn fund-level fees on those assets, as set forth in the applicable Fund’s prospectus but
  SIMC will offset the fees set forth above on MAS assets invested in any SEI Fund.
  Fees for SEI Funds
  Each SEI Fund pays an advisory fee to SIMC that is based on a percentage of the portfolio's
  average daily net assets, as described in the mutual fund’s prospectus. From such amount,
  SIMC pays the sub-advisor(s) to the fund. SIMC’s fund advisory fee varies, but it typically
  ranges from .10% - 1.50% of the portfolio's average daily net assets for its advisory
  services. Affiliates of SIMC provide administrative, distribution and transfer agency
  services to all of the portfolios within the SEI Funds, as described in the SEI Funds’
  registration statements. These fees and expenses are paid by the SEI Funds but ultimately
  are borne by each shareholder of the SEI Funds. If a Client invests in a model available
  through the Mutual Fund Models Program, the Client will be charged the expense ratios of
  each of the SEI Funds included in the applicable model. Clients may have the option to

                                      RLB Financial, LLC

purchase certain SEI investment products, including the SEI Funds, that SIMC
recommends through other brokers or agents not affiliated with SIMC. Clients may also
pay custody fees to SEI Private Trust Company (“SPTC”) when their assets are custodied
at SPTC. These fees will vary depending on the account balance and trade activity in the
account. Clients can refer to their account application for specific information on SPTC
custody fees.
RLB receives compensation as a result of a Client’s participation in SIMC’s programs. For
assisting Clients in selecting appropriate Mutual Fund Models, Managed Account
Portfolios or Custom Portfolios in accordance with the terms of RLB’s advisory agreement
and, if applicable Triparty Agreement, with such Clients and providing on-going account
services, RLB will receive a fee payable from the Client’s Account assets. RLB’s fee will be
calculated quarterly on the Client’s Account balance and payable quarterly in arrears net
of any income, withholding or other taxes. RLB’s fee is separate from and in addition to
SIMC’s Investment Management Fee described above. RLB’s fee and SIMC’s Investment
Management fee will be deducted by SPTC directly from the Client’s account. RLB does
not have the ability to directly deduct their advisory fee from the client account.
Clients may terminate their account within five (5) business days of signing the
Investment Advisory Agreement with no obligation. For accounts closed mid-quarter, RLB
will be entitled to a pro rata fee for the days service was provided in the final quarter.
Client shall be given thirty (30) days prior written notice of any increase in fees. Any
increase in fees will be acknowledged in writing by both parties before any increase in
said fees occurs.
ASSETS UNDER ADVISEMENT
Fees for these services will be based on a percentage of Assets Under Management. The
annual fee will be 0.50%. Fees will be paid in advance every quarter. Client will be
provided an invoice at the commencement of services payable within ten (10) days of
receipt. Clients may choose to pay RLB directly or have the amount deducted from
another account managed by RLB. Clients may terminate their account within five (5)
business days of signing the Investment Advisory Agreement with no obligation and
without penalty. If the Client cancels after five (5) business days, any unearned fees will
...

Item 7: Types of Clients
  Description
  RLB generally provides investment advice to individuals and high net worth individuals.
  Client relationships vary in scope and length of service.
  Account Minimums
  RLB does not require a minimum to open an account.

                                     RLB Financial, LLC