Security First Financial Inc

Fees and Compensation

            Description
                   Security First Financial bases its fees on a percentage of assets under management. The advisory fee is .6% annually. There is
                   no fee on assets above $1.5 million. Security First Financial may waive or reduce the management fees for family or friends.
                   There is no minimum account size. Fees are not negotiable.

            Fee Billing
                    Investment management fees are billed quarterly, in arrears. Invoiced amounts will appear on the clients statement from the
                    custodian. Fees are deducted from a designated client account that to facilitate billing. The client accepts direct debiting of their
                    investment account for Security First Financials management fee. For ESRP accounts, the management fee is deducted from a
                    pre authorized account at the corresponding custodian, based on prior review balance.

            Other Fees
                   Custodians may charge transaction fees on purchases or sales of certain mutual funds, ETFs and securities. These transaction
                   charges are usually small and incidental to the purchase or sale of a security. The selection of the security is more important than
                   the nominal fee that the custodian charges to buy or sell the security.

            Expense Ratios
                  Mutual funds and ETFs generally charge a management fee for their services as investment managers. The management fee is
                  called an expense ratio. For example, an expense ratio of 0.50 means that the mutual fund company charges 0.5% for their
                  services. These fees are in addition to the fees paid by you to Security First Financial.
                    Performance figures quoted by mutual funds and ETF’s in various publications are after the fees have been deducted.

Types of Clients

            Description
                   Security First Financial provides investment advice to individuals, families, businesses and non profits organizations.

            Account Minimums
                  Security First Financial has no account minimums.

                                                              Security First Financial

    Methods of Analysis, Investment Strategies and Risk of Loss