SC&H Financial Advisors Inc

Item 5 - Fees and Compensation

Financial Planning Services

The fees for financial planning described below are strictly for planning services. Therefore, clients will pay
fees and/or commissions for additional services obtained such as asset management or products purchased
such as securities or insurance. Clients shall make and be fully responsible for all decisions relating to the
implementation of any financial planning advice given in any recommendations and SC&H shall not be
responsible for the execution of any decision made by the Client. The Client shall at all times be at liberty to
follow or disregard, wholly or partially, any information, recommendation or advice given by SC&H.

Fees are negotiable and based on services described in the schedule. Your fees will be dependent on several
factors including the representative you have selected, expected amount of time to be spent on the
engagement, number of meetings, complexity of your situation, amount of research, services requested and
staff resources. The following summarizes our typical financial planning fees:

   Fee Type                   Maximum Fee                 Payable

   Comprehensive Plan         $5,000                      A maximum deposit of 50% of the anticipated fee
                                                          may be charged and due at the time of the
                                                          Agreement. Fees may be waived or lowered if you
   Modular Plan               $1,500 per module           implement all or part of the recommendations
                                                          with SC&H or with your Wealth Advisor.
                                                          Fees are payable within 30 days of receipt of an
                                                          invoice. A maximum deposit of 50% of the
                                                          anticipated fee may be charged and due at the
   Hourly Fee                 $315 - 600*                 time of the Agreement. Fees may be waived or
                                                          lowered if you implement all or part of the
                                                          recommendations with SC&H or with your
                                                          Wealth Advisor.

* Directors and Principals charge hourly rates of $600. Managers charge hourly rates of $475-525; Senior &
Staff charge hourly rates of $315-395.

Asset Management Services

SC&H Wealth Management

Asset management fees will generally be collected directly from your account, provided you have given
SC&H written authorization. You will be provided with an account statement reflecting the deduction of
the advisory fee directly from the account custodian. If the client account does not contain sufficient funds
to pay asset management fees, SC&H has the authority to sell or redeem securities in sufficient amount to
pay the fees. If the client account does not contain sufficient funds and is maintaining a margin debit
balance, SC&H has the authority to pay the asset management fees by increasing the debit balance.

Asset management fees will be charged in advance of each calendar quarter. The quarterly advisory fee will
be based on the value of the account on the last business day of the prior calendar quarter. The value of the
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account is generally determined by the client’s custodian. Minor differences may exist for interest and
dividends that have accrued or been declared but not yet paid to the account. Fees for partial periods
will be prorated. The initial quarterly fee will be a pro-rated portion of the fee based on the number of days
remaining in the calendar quarter. The initial fee will be calculated based on the value of the portfolio upon
establishment of the account or when assets are transferred into the account. At the discretion of the
client’s Wealth Advisor, billing may be delayed until the intended investment strategy of the account has
been implemented.

You may make additions to the account or withdrawals from the account. No fee adjustments will be made
for additional deposits to the account or partial withdrawals from the account during a calendar quarter.
Further, no fee adjustments will be made for market appreciation or depreciation in the account during the
quarter.

SC&H’s asset management fee under this service offering is generally based on the following tiered
schedule:*

                       Account Size                            Maximum Annual Fee
                       First $500,000                          1.20%
                       Next $1,500,000 or portion thereof      1.00%
                       Next $3,000,000 or portion thereof      0.85%
                       Next $5,000,000 or portion thereof      0.70%
                       Next $15,000,000 or portion thereof     0.60%
                       Next $25,000,000 or portion thereof     0.50%
                       On assets in excess of $50,000,000      0.25%

* SC&H may, at its option, offer advisory services to clients at reduced fee levels. Accordingly, employees
of SC&H and its affiliates receive advisory services at a reduced fee level.

SC&H has discretion over the standard fee schedule that it charges to its clients as well as any changes to
the fee schedules. Any changes to the current fee schedule must be approved by an SC&H Director. Fees
may be negotiated in light of a client’s special circumstances such as the amount of assets to be managed,
portfolio composition, the scope and complexity of the engagement, the anticipated number of meetings
and servicing needs, related accounts, anticipated future additional assets, the professionals providing the
services, prior relationships with SC&H and its representatives, negotiations with the client, or other factors.
...

Item 7 - Types of Clients

SC&H Wealth Management

SC&H's Wealth Management asset management services are geared toward individuals, high net worth
individuals (generally, clients with assets under management of $1,100,000 or a net worth exceeding
$2,200,000), trusts, estates, pension and profit- sharing plans, corporations and small businesses, and
charitable organizations.

Under this program we seek to work with clients that have a minimum of $1,000,000 in investible assets.
Under certain circumstances, SC&H may agree to manage accounts with a lower level of initial investible
assets. Such circumstances may include, but are not limited to: anticipated additional assets to be managed
in the future; whether the client or any family members have assets under management with SC&H;
whether the client is receiving additional services from SC&H such as tax preparation services; whether the
client is also an employee (or immediate family member of an employee) of SC&H or an affiliate; or whether
the client is still in the accumulation stage of assets. This policy is for new client relationships. In the past,
SC&H has had different policies related to minimum levels of account assets and minimum fee levels. New
SC&H Wealth Management asset management clients are subject to the asset- based fee schedule as
described in Item 5. Clients are advised that performance may suffer due to difficulties with diversifying
smaller accounts and due to risk controls potentially being compromised. Clients should note that similar
advisory services may or may not be available from other registered investment advisors or other financial
firms for similar or lower fees.

SC&H Core

The services provided under SC&H Core are geared toward individuals in the accumulation stage of wealth
management and are generally recommended for clients that do not meet the account requirements for
SC&H Wealth Management asset management services. Therefore, SC&H does not have a minimum asset
level requirement or minimum annual fee for this platform. SC&H Core clients are subject to the asset- based
fee schedule as described in Item 5. Clients are advised that performance may suffer due to difficulties with
diversifying smaller accounts and due to risk controls potentially being compromised. Clients should note
that similar advisory services may or may not be available from other registered investment advisors or
other financial firms for similar or lower fees.

Third-Party Manager Programs

The DFA SMA program described in Items 4 and 5 above has a minimum billable asset level of $500,000. If
the value of a client account falls below this threshold, the market value used to calculate the fees payable
to Dimensional will be $500,000, which effectively increases the fee percentage of the account.