Signature Investment Advisors LLC

Item 5: Fees and Compensation
          Signature Elite, Signature Allocation Series & Signature Targeted Strategies Fees

Fees for Signature Elite, Signature Allocation Series & Signature Targeted Strategies (together known as “Investment
Management”) are computed at an annualized percentage of assets under management including cash balances,
accrued interest and dividends.

The actual fee for any portfolio is negotiated based on the unique objectives of each client, the complexity of the
investment plan, types of assets held in the account, and other factors. Fees are negotiable and may be a flat fee rate
or a tiered fee rate. A flat fee rate would charge a single fee for all assets in the portfolio, whereas, a tiered fee rate
would charge a different fee for assets at each level. The negotiated (actual) fee may be more or less than the ranges
reflected in the fee schedule. The specific negotiated fee applicable to each client or client account will be stated in
the Engagement Agreement.

The fees are payable quarterly in arrears. Fees begin accruing when accounts become linked to us or when funded.
To allow for additional account setups, transfers, final strategy discussions, etc., at our discretion, SIA can delay or
wave the first quarter fees. The first payment is assessed and due at the end of the first calendar quarter and will be
assessed pro rata in the event the Agreement is executed at any time other than the first day of the current calendar
quarter. Subsequent payments are due and will be assessed on the first day after the end of each calendar quarter
based on the value of the account assets as of the close of business on the last business day of that quarter. Fees may
be waived at our discretion, on the value of large deposits made shortly before the end of the quarter. The client, via
their Relationship Manager, must submit the request to the SIA billing department to have the fee waived which will
be reviewed on a case by case basis.

These fees described above are for investment management services only and do not include other types of fees that
will be incurred in connection with SIA investment management services. See “Brokerage Practices” below for further
details.

In some cases, where two or more clients have a nexus, the two households may be eligible for their Investment
Management assets to be viewed in conjunction with another client’s Investment Management assets
(“Householding”) for the purposes of meeting a higher tier or breakpoint.

                                         “Equity/Blended” Portfolio Fees
Though the actual fee for any portfolio is negotiated based on the unique objectives of each client, the complexity of
the investment plan, types of assets held in the account, and other factors, the table below shows the fee ranges
generally charged at certain dollar levels for Investment Management “Equity/Blended” portfolios.

                         Portfolio Value Between                              Equity/Blended
                         $ 250,000 - $ 999,999                                 0.90 - 1.50%
                         $1,000,000 - $2,499,999                               0.70 - 1.30%
                         $2,500,000 - $4,999,999                               0.60 - 1.20%
                         $5,000,000 - $9,999,999                               0.50 - 1.10%
                         $10,000,000 and above                                  negotiable

For Investment Management (“Equity/Blended” portfolios), the recommended minimum Household Portfolio
(aggregate of all accounts in the same household) size to establish is generally $250,000.

                                          “Fixed-Income” Portfolio Fees

Though the actual fee for any portfolio is negotiated based on the unique objectives of each client, the complexity of
the investment plan, types of assets held in the account, and other factors, the table below shows the fee ranges
generally charged at certain dollar levels for Investment Management “Fixed Income” portfolios. This schedule applies
only to households who have chosen the “Fixed Income” model for their entire portfolio.

                        Portfolio Value Between                               Fixed Income
                        $ 250,000 - $ 999,999                                 0.45 - 1.00%
                        $1,000,000 - $2,499,999                               0.40 - 0.90%
                        $2,500,000 - $4,999,999                               0.35 - 0.80%
                        $5,000,000 - $9,999,999                               0.25 - 0.70%
                        $10,000,000 and above                                  negotiable

For Investment Management (“Fixed-Income” portfolios), the recommended minimum Household Portfolio
(aggregate of all accounts in the same household) size to be established is generally $500,000.

                                              General Fee Disclosures

Client should assess the negotiated fee against all their available options. Other advisors may be able to provide similar
services at a lower cost.

Client will authorize the custodian holding client funds and securities to deduct SIA advisory fees direct from the client
account in accordance with calculations prepared and submitted to the custodian by SIA. The custodian will provide
periodic account statements to the client. Such statements will reflect all fee withdrawals by SIA. It is the client’s
responsibility to verify the accuracy of the fee calculation. The custodian will not determine whether the fee is
properly calculated. In no case are Fees collected in advance for services to be performed.

                                                    Flourish Cash
SIA receives an admin/service annual fee of 0.15% of the value of the Client’s Flourish Cash account if a Client
participates in the cash management program from Flourish. This fee is deducted from the Client’s overall APY. This
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Item 7: Types of Clients
SIA provides advisory services to individuals, trusts, estates, pension/profit sharing plans, charitable organizations,
state or municipal government entities, insurance companies, corporations and other businesses.

Please see the section “Fees and Compensation” for SIA’s household minimum guidelines.