SMB Financial Services Inc

ITEM 5 – FEES AND COMPENSATION

  5a: Fee Schedules

               Assets Under Management                                        Annual Fee (%)
               $0 to $250,000                                                 1.55%
               $250,001 to $500,000                                           1.35%
               $500,001 to $1,000,000                                         1.20%
               $1,000,001 to $3,000,000                                       1.00%
               $3,000,001 to $10,000,000                                      0.90%
               $10,000,001 and above                                          Negotiable

  For purposes of determining value, securities and other instruments traded on a market for which actual
  transaction prices are publicly reported are valued at the last reported sale price on the principal market in
  which they are traded (or, if there are no sales on that date, then at the mean between the closing bid and
  asked prices on that date). Other readily marketable securities are priced using a pricing service or through
  quotations from one or more dealers. All other assets are valued at fair value by SMB Financial Services,
  whose determination shall be conclusive. Notwithstanding the above, fees are generally negotiable.

  Compensation for our services will be calculated in accordance with the Schedule A of the Investment
  Advisory Agreement.

       ADV PART 2 A BROCHURE                                                                          PAGE 6 OF 13

Financial Planning Fees
Hourly services will be billed quarterly as performed or upon completion of the agreed services at a rate of
$200.00 per hour. Project flat fees are paid partially in advance (the lesser of $450 or 50% of the flat fee)
and the remaining balance billed upon completion of the project.

5b: Fee Payments Options
SMB Financial Services fees are paid from your account quarterly in advance by the custodian when we
submit an invoice to them. If there is insufficient cash in your account, securities may be sold. In addition to
our fees, there may be custodial, mutual fund or similar third party management fees and charges. When
required by regulatory authorities, we will additionally send copies of the invoice directly to the client. Never
hesitate to ask us about how we bill and invoice.

5c: Third Party Fees
You are responsible for the payment of all third party fees (i.e. custodian fees, mutual fund fees, transaction
fees, etc.). Those fees are separate and distinct from the fees we charge.

All brokerage commissions, stock transfer fees, and other similar charges incurred in connection with
transactions for the account will be paid out of the assets in the account and are in addition to the
investment management fees paid to us. While we take measures to ensure the fees charged are accurate,
it is your responsibility to ensure the amount of fee charged is correct. You will receive statements directly
from these brokers, custodians or mutual funds or other investments you hold. We strongly urge you to
compare these statements for accuracy.

5d: Fee Payments
Investment Management Fees
SMB Financial Services fees are paid quarterly in advance. Our fee is determined by taking the percentage
rate we charge, times the market value of the account, divided by the number of days in the year and
multiplied by the number of days in the quarter. The market value is the sum of the values of all assets in
the account, not adjusted by any margin debit. Fees for partial quarters at the commencement or
termination of the Investment Advisory Agreement will be billed or refunded on a pro-rated basis
contingent on the number of days the account was open during the quarter. While SMB Financial Services
strives to maintain competitive fees, the same or similar services may be available from other firms at higher
or lower fees.

Financial Planning Fees
Hourly services will be billed quarterly as performed or upon completion of the agreed services at a rate of
$200.00 per hour. Project flat fees are paid partially in advance (the lesser of $450 or 50% of the flat fee)
and the remaining balance billed upon completion of the project.

5.d.1: Termination
Either SMB Financial Services or our clients can terminate our agreement upon receipt of written notice to
the other party, to include written agreement to changes by the client. Additionally, the client has the right
to terminate the contract without penalty within five (5) business days after entering into the contract.

When an agreement is terminated, we will refund any pre-paid, unearned fees based on the number of days
remaining in the quarter after termination. Refunds will be made within 30 calendar days of the effective
date of termination.

When an agreement is terminated, all assets may need to be transferred from the current custodian. You
will be responsible for paying all fees including full quarterly custodial administrative fees, account closure
fees, mutual fund fees and all trading costs due to the termination. Custodian may assess additional fees
for transfer of illiquid investments. If there is insufficient cash in the account, the liquidation of some

     ADV PART 2 A BROCHURE                                                                             PAGE 7 OF 13

   securities may be used to pay the fees. Prior to termination of an agreement, we can provide a good-faith
   estimate of these fees.

   5e: Other Investment Compensation
   SMB Financial Services does not accept commission for the sale of securities or other investment products,
   including asset-based sales charges or service fees from the sale of mutual funds.

ITEM 7 – TYPES OF CLIENTS
   SMB Financial Services generally provides asset management and financial planning services to the
   following types of clients:
         Individuals
         High-Net-Worth Individuals
         Pension and Profit Sharing Plans
         Corporations or Other Businesses

   Minimum Account Size
   SMB Financial Services does not have an account minimum. However, we may decline to accept clients with
   smaller portfolios.