Team Hays Inc

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more
written agreements/a written agreement with the Advisor.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid monthly or quarterly at the end of each month or calendar quarter pursuant to the
terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under
management at the end of the month or calendar quarter.

Fees are based on the following tiered schedule for assets custodied at Schwab:

                               Assets Under Management ($)                  Annual Rate (%)
                                        Up to $999,999                            1.25%
                                   $1,000,000 to $4,999,999                       1.00%
                                   $5,000,000 to $9,999,999                       0.75%
                                  $10,000,000 to $19,999,999                      0.65%
                                    $20,000,000 and above                         0.50%

                                              Team Hays Inc. dba DFS Advisory
                                        1204 Bent Oaks Ct., Ste.1200, Denton, TX 76210
                                         Phone: (940) 297-1474 | Fax: (940) 226-1234
                                        Website: https://www.distinctfinancialsolutions.com

Fees are based on the following tiered schedule for assets custodied at Betterment:

                             Assets Under Management ($)                   Annual Rate (%)
                                      Up to $999,999                             1.00%
                                 $1,000,000 to $2,999,999                        0.90%
                                 $3,000,000 to $4,999,999                        0.75%
                                 $5,000,000 to $9,999,999                        0.65%
                                  $10,000,000 and above                          0.50%

The investment advisory fee in the first month or calendar quarter of service is prorated from the inception date of the
account[s] to the end of the first month or quarter. Fees may be negotiable at the sole discretion of the Advisor. The
Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held
in accounts managed by DFS Advisory will be independently valued by the Custodian. The Advisor will conduct periodic
reviews of the Custodian’s valuation to ensure accurate billing

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Betterment Institutional – Investment management fees are based on the market value of assets under management
at an annual rate of up to 1%, pursuant to the terms of the investment management agreement. Client’s will also be
subject to the Betterment Institutional platform fee of up to 0.16% annually, based on the level of assets implemented
through Betterment Institutional. The Client authorizes this fee deduction through the investment platform agreement
signed by the Client, the Advisor and Betterment Institutional.

Use of Independent Managers – As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment
portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn
any additional compensation from an Independent Manager. The Advisor will only earn its investment management fee
as described above. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule
which will reduce the fee with an increased level of assets placed under management with an Independent Manager.
The Advisor will be allocated its advisory fee, as disclosed above, which is collected by the Independent Manager and
remitted to the Advisor, pursuant to the terms of the executed investment advisory agreement. If the Client is required
to authorize and enter into an investment advisory agreement with an Independent Manager, the terms of such fee
arrangements are included in the Independent Manager’s disclosure brochure and applicable agreements with the
Independent Manager.

Financial Planning Services
DFS Advisory offers project-based financial planning services either on an hourly basis or for a fixed engagement fee.
Hourly fees range up to $300 per hour. Fixed project fees are based on the expected number of hours to complete the
engagement at the Advisor’s hourly rate. Ongoing financial planning engagements are offered on a fixed monthly fee
based on the expected number of hours per month to complete the engagement deliverables. Fees may be negotiable
based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An
estimate for total hours and/or total costs will be provided to the Client prior to engaging for these services.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee ranging from 0.25% to 1.00% based
on the size of the Plan and scope of services to be provided. Fees are typically billed in advance of each month, pursuant
to the terms of the retirement plan advisory agreement. Certain Plans may be billed quarterly, based on the requirements
of the Plan and providers. Retirement plan fees are based on the market value of assets under management in the Plan
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Item 7 – Types of Clients

DFS Advisory offers investment advisory services to individuals, high net worth individuals, trusts, estates,
businesses, and retirement plans. DFS Advisory generally does not impose a minimum relationship size.