Ssb&T Wealth Management LLC

ITEM 5: FEES, COMPENSATION AND TERMINATION OF SERVICES

A. Description of Compensation and Basic Fee Schedule
SSB&T Wealth charges an asset-based fee for clients who use our investment advisory services.
An annualized asset-based fee that will be calculated based on the reporting period ending value
(e.g., last business day of the previous month) as referenced in the following table.

                         Assets Under                       Annual Rate
                         Management                       (billed quarterly)
                         $0 - 250,000                           1.20%
                     $250,001 - $2,000,000                      1.00%
                    $2,000,001 - $5,000,000                     0.70%
                   $5,000,001 - $10,000,000                     0.50%
                   $10,000,001 – and above                      0.40%

Fees are charged quarterly in advance. Fees are computed based on the market value of Client’s
Account on the last day of the month in the prior quarter. As set up by Client and agreed upon
with SSB&T Wealth, the “Account Value” and the applicable “Annual Fee” applied includes
assets where SSB&T Wealth is providing investment advice. This includes assets that SSB&T
Wealth has trading discretion and assets in which SSB&T Wealth does not have trading
discretion. Fees may be prorated, on a monthly basis, with respect to new Clients established
during a quarter.

SSB&T will charge an asset-based fee on accounts that have legacy assets as part of the account
holdings.

Individual accounts for immediate family members (such as husband, wife, and dependent
children) may be aggregated, using the same fee schedule, and the fee is charged based on the
total value of all family members’ Accounts.

The Firm offers Financial Planning services. The firm will charge a flat fee for financial planning
services. The fee will vary based on the complexity of the plan being prepared. The fee is
charged quarterly in advance. The minimum quarterly fee is $750 per quarter. The financial
planning fee is negotiable.

B. Payment of Fees
The advisory agreement executed by the client grants SSB&T Wealth the authority to directly
debit their accounts for payment of the investment advisory fees. The Financial Institutions that
act as the qualified custodian for client accounts, from which SSB&T Wealth retains the

Form ADV Part 2A

authority to directly deduct fees will send statements to clients not less than quarterly detailing
all account transactions, including any amounts paid to SSB&T Wealth.

Clients should note that they share in the responsibility to verify the accuracy of fee
calculations; the custodian does not verify the accuracy of the fees assessed.

C. Other Fees
SSB&T Wealth will assess all clients all fees and charges including but not limited to trading
charges, execution fees, market movement which may result in a gain or a loss, and any other
custodial/clearing firm charges. The fees and expenses are paid by the respective fund and are
borne by all fund shareholders owning the same class of share which can including, but are not
limited to, mutual fund 12(b)(1) servicing fees, ETF’s or other funds, sub-accounting fees,
management fees, custody, portfolio transaction execution costs, administration fees, distribution
fees, and shareholder servicing fees. It is understood that fees and expenses charged by these
securities are deducted from each fund's net asset value and as such, shall be an indirect expense
of the Client Account and these types of investments could be purchased directly without being
managed by SSB&T Wealth pursuant to this Agreement.

D. Prepayment of Fees
Either party may terminate the agreement at any time, which will typically be in writing. If
the client verbally notifies our firm of the termination and, if in 30 business days following
this notification, the Firm has not received a notice in writing, the Firm will accept the
account as terminated. Our firm will not be responsible for future allocations or
transactional services (except limited closing transactions) upon receipt of a termination
notice. It will also be necessary that the Firm inform the custodian of record that the
relationship between the firm and the client has been terminated. It is important to note that
once your account has begun the account transfer process, it then becomes restricted/frozen at
the custodian until the transfer is complete to the institution that you designate the transfer
to. This means transactions cannot be processed within your account. The transfer process
can take several weeks. Any fees paid in advance if terminated during the quarter will be
refunded if applicable to the client.

E. Other Compensation
Neither the Adviser nor its supervised persons accept any compensation/commission for the
recommendation of securities or non-securities products including asset-based sales charges or
service fees (12b-1 fees, for example) from the sale of mutual funds or insurance products.

Form ADV Part 2A

F. Termination
This Agreement has an initial term of one year and shall automatically renew for an unlimited
number of terms of one year each. Either party may terminate this Agreement at any time by
giving 30 days prior written notice of such termination to the other party. If the Account is to be
liquidated as the result of a termination notice, the parties understand that the process of
liquidation may take up to five trading days following the date SSB&T Wealth received the
liquidation request. Advisory Fees shall be prorated to the date of termination, which shall be
the date as set forth in the notice of termination or the date the notice of termination is received
by SSB&T Wealth, whichever is later.

Form ADV Part 2A

ITEM 7: TYPES OF CLIENTS
Our firm provides its services to individual investors, high net worth individuals, trusts, estates,
charitable organizations and foundations, financial institutions, pension and profit-sharing plans,
and corporations or businesses of various scale. The Firm typically requires a minimum asset
level of $100,000 for an account to be opened, invested and maintained at our firm.

SSB&T Wealth reserves the right to waive certain fees based on unique individual
circumstances, special arrangements, pre-existing relationships or as otherwise to be
determined by an officer of the firm. The firm also reserves the right to decline services to
any prospective client for any non-discriminatory reason.

Form ADV Part 2A