ROI Financial Advisors LLC

Item 5: Fees and Compensation
A. Fee Schedule
   Investment Supervisory Services Fees

                                 Total Assets Under
                                                                   Maximum Fee
                                   Management
                                    $0 - $250,000                       1.50%
                                $250,001 - $500,000                     1.35%

                               $500,001 - $1,000,000                    1.15%

                              $1,000,001 - $2,500,000                   1.00%

                              $2,500,001 - $5,000,000                   0.85%

                              $5,000,001 - $8,500,000                   0.75%

                                 Above $8,500,001                       0.65%

   These fees are negotiable depending upon the needs of the client and complexity of the situation and the final
   fee schedule that is attached as Exhibit II of the Investment Advisory Contract. The fee schedule listed above
   is the standard fee schedule; however, fees could be up to 1.50% and will be disclosed to the Client in the
   Investment Advisory Contract. Clients will pay their fees on a monthly basis in arrears, and fees will be
   inclusive of cash and cash equivalents. Clients may terminate their contracts with thirty days’ written notice.
   Because fees are charged in arrears, no refund policy is necessary. Clients may terminate their accounts without
   penalty within 5 business days of signing the advisory contract. Advisory fees are withdrawn directly from the
   client’s accounts with the client acknowledgement of their authorization. (See Item B Payment of Fees for a
   complete description of how clients will be invoiced for fees.)

   For 401K plans clients may pay an additional fee up to 50 bps for services such as assisting with plan enrollment,
   assisting with setting up plan documents, and other various administrative services. Clients that have assets
   managed by ROI will be paying this fee on top of the investment advisory fee.

   Financial Planning Fees
      Fixed Fees

   Depending upon the complexity of the situation and the needs of the client, the rate for creating client financial
   plans is between $600 and $4,800. The fees are negotiable. Fees are paid in advance, but never more than six
   months in advance. Clients may terminate their contracts without penalty within five business days of signing
   the contract. Fees that are charged in advance will be refunded based on the prorated amount of work completed
   at the point of termination. The fee refunded will be the balance of the fees collected in advance minus the
   hourly rate of $250 per hour times the number of hours of work that has been completed up to and including
   the day of termination. All fees to be refunded and any partially completed work will be provided to the client
   within 15 business days of ROI Financial being advised in writing of the termination of this agreement.

   Financial Planning Modules                                  Simple            Moderate          Complex
   Financial Planning                                        $100  $200         $300  $400        $500 $600
   Protection Planning                                       $100  $200         $300  $400        $500 $600
   Investment Planning                                       $100  $200         $300  $400        $500 $600
   Tax Planning                                              $100  $200         $300  $400        $500 $600
   Retirement Planning                                       $100  $200         $300  $400        $500 $600
   Estate Planning                                           $100  $200         $300  $400        $500 $600

   If the client needs the following services, they are in addition to the calculated fee above.
   Business Module                                           $600

   Advanced Estate Module                                    $600

   The basic planning fee will be calculated by the advisor based on the complexity of each service indicated for
   each module.

      Hourly Fees
   If a client chooses to elect an hourly rate, the hourly fee for financial planning services is $250. Fees are billed
   monthly and in arrears. Uncollected Invoices or Fees are subject to interest accruement outlined in the terms
   and conditions of the ROI Financial Advisor’s Planning Agreement.

   Client shall be given thirty (30) days’ prior written notice of any increase in fees; the client would need to agree
   to any modified fee terms by signing a new amendment to their current agreement. If hourly fees are chosen,
   fees are due within 30 days of invoice. If annual fees are chosen, fees are due within 30 days of anniversary
   date. In the event the invoice remains unpaid 30 days from the due date a 1.5% per month interest charge will
   be added to the unpaid amount. All collection costs and attorney fees are paid by the client if the account is not
   paid as agreed. We reserve the right to stop work on any account that is 30 days past due, in accordance with
   our firm’s stated collection policy.

B. Payment of Fees
   Payment of Investment Supervisory Fees
   Advisory fees are withdrawn directly from the client’s accounts with the client’s written authorization. Fees
   are paid monthly in arrears. A monthly invoice will be sent to the client detailing the fees and additional
   information such as the amount of assets under management on which the fee was based, the formula used to
   calculate the fee, the fee calculation itself and the time period covered by the fee. The name of the custodian
   will also be included. The invoice to the client will be sent concurrent with the request for payment of the
   Advisory fees to the custodian. (Clients are encouraged to compare this information with the information listed
...

types of clients:

          Individuals
          High-Net-Worth Individuals
          Business Owners
          Retirement Plans

   Minimum Account Size
   There is no account minimum.