Stewardship Concepts Financial Services LLC

Item 5: Fees and Compensation
   Description
      Stewardship Concepts Financial Services charges fees on a fixed basis or an
      hourly basis for consultations in financial planning. For clients that request
      and require comprehensive financial planning services, a flat fee of $3,000 is
      charged, reflecting approximately ten hours of our time. For our clients who
      have already completed a comprehensive financial plan under our fixed fee
      engagement, and later request additional planning services or updates
      outside the original 12-month engagement, the firm offers planning services
      on an hourly basis at a rate of $300.00 per hour. Financial planning fees are
      paid after the consultation and upon completion of work.
       We also charge fees for investment management services. Fees are charged
       as an annual percentage of assets under management. We use a tiered fee
       schedule, which means that different portions of client’s assets are billed at
       different rates as asset levels increase rather than applying a single rate to
       the entire account balance. Annual fees for the management of client assets
       in a diversified portfolio including stocks and bonds are subject to the
       following maximum fee schedule:
       Assets Under Management                   Annual Fee
              $0–$2M:                                1.0%
              $2M–$4M:                               0.8%
              $4M–$6M:                               0.6%
              $6M+:                                  0.5%
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                        Stewardship Concepts Financial Services, LLC

     Fees are calculated by applying the applicable rate to each tier of assets. For
     example, a client with $3,000,000 under management would be charged
     1.00% on the first $2,000,000 and 0.80% on the remaining $1,000,000.
     We charge a minimum investment management fee of $750 per quarter,
     which will result in a higher percentage rate than our stated fee maximum any
     given calendar quarter where your fees would otherwise be below the
     minimum.
     Your fees are negotiable and will be determined by your Investment Advisor
     Representative subject to our stated fee schedule and quarterly minimum fee.
     Your management agreement with Stewardship Concepts will specify your
     exact fee to be paid.
     This management fee is in addition to all other customary fees and expenses
     (e.g., brokerage commissions, mutual fund expenses and fees) inherent in
     the overall management of an investment portfolio. No brokerage
     commissions in any form will be paid to or received by Stewardship Concepts
     Financial Services. Investment management fees are negotiable. We
     discount management fees for certain types of clients as follows: a 25%
     discount off the base fee for family members and friends, and for non-profit
     organizations. Stewardship Concepts Financial Services reserves the right to
     waive fees at its sole discretion.
     In no event shall a management fee be based on the performance of the
     Client’s Portfolio; neither shall it depend on the investment return of the
     assets or any share of capital gains or appreciation thereof.
     In the event of termination of our services by either party, the annual
     management fee will be calculated based on the average daily balance of the
     client’s portfolio for the number of days the agreement remained in effect
     during the terminated quarter.

Fee Billing
    For all client engagements in which fees are being billed on an hourly basis or
    flat fee financial plan, fees will be billed to the client as the work is completed.
    Forms of payment accepted for flat fee or hourly financial plans are check,
    credit card, and ACH from bank. ACH and credit card payments are
    processed through Square. Square is a third-party payment processor in
    which the client can securely input their banking information and the advisory
    fees are paid through “one-time payment” requests for each billing period.
     For investment management engagements for which fees are being billed as
     an annual percentage of assets under management, the management fee will
     be charged on a cumulative household account basis and will take into
     consideration the total market value of all assets under management for the
     client. Some exceptions apply and will be outlined in the investment advisory
     agreement. The management fee will be paid quarterly and will be paid in
     arrears based on the average daily balance of the client’s total portfolio for
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                      Stewardship Concepts Financial Services, LLC

    calendar quarter. The first quarterly fee will commence on the last day of the
    calendar quarter in which this agreement was executed.
    If the client consents in advance to direct debiting of their investment
    management fees from the brokerage accounts at a qualified custodian, then
    the quarterly fee will be automatically deducted from the client’s investment
    accounts held by the custodian. We strongly encourage our clients to
    compare the information on any statement we provide with the fees listed on
    the account statements issued by the custodian.
    If the client does not agree to direct debiting of fees from their brokerage
    accounts, then the client will receive an invoice, payable upon receipt, for the
    amount of the fees following the end of the quarter. The following are the
    forms of payment we accept for investment management: check, credit card,
    and ACH from bank account. ACH and credit card payments are processed
    through Square. Square is a third-party payment processor in which the client
    can securely input their banking information and the advisory fees are paid
...

Item 7: Types of Clients
   Description
      Stewardship Concepts Financial Services provides personal financial
      planning and investment management to individuals, families and their related
      entities, trusts and estates, family businesses, corporations and other
      business entities, and charitable organizations. Client relationships vary in
      scope and length of service.