Timberchase Financial LLC

Fees and Compensation

Timberchase has legacy clients with existing engagements who have different fee
arrangements than those described below and that are no longer offered by the firm.
Description
      Timberchase charges fees calculated as a percentage of assets under
      management per quarter and includes the planning component of our work in this
      fee. Timberchase’s advisory fee is calculated according to the following tiered fee
      schedule:
               Assets Under Management                Annual Rate

                    $0 to $1,000,000                     1.20%

                $1,000,001 to $3,000,000                 1.00%

                $3,000,001 to $5,000,000                 0.80%

               $5,000,001 to $10,000,000                 0.70%

                $10,000,001 and greater                  0.50%

      Fees are charged on all accounts that are being monitored or for which
      investment advice is being given, including employer retirement accounts.
      Alternatively, Timberchase offers clients a fixed fee option for its services in lieu of
      the above fee structure. The fixed fee option is based upon the scope of the
      services rendered to the client and the complexity of their overall financial situation
      and ranges between $1,000 to $50,000.
      Fees are negotiable. Timberchase, in its sole discretion, may waive any minimum
      fee and/or charge a lesser investment advisory fee based upon certain criteria
      (e.g., historical relationship, type of assets, anticipated future earning capacity,
      anticipated future additional assets, dollar amounts of assets to be managed,
      related accounts, account composition, negotiations with clients, etc.).
Fee Billing
      Fees are billed quarterly, in advance, meaning that clients are invoiced when the
      three-month billing period has begun. Fees are based on the market value of your
      accounts on the last day of the previous quarter. For engagements that start mid
      quarter, the initial quarter’s fee is prorated and will be charged at the beginning of
      the next quarter. Fees are usually deducted from a designated client account to

      facilitate billing. The client must consent in advance to direct debiting of their
      investment account.
Other Fees
      Custodians may charge transaction fees on purchases or sales of certain mutual
      funds and exchange-traded funds. Stocks and bonds may be purchased or sold
      through a brokerage account when appropriate. The brokerage firm charges a fee
      for stock and bond trades. Timberchase does not receive any compensation from
      fund companies or brokerage firms.
      Fund companies charge each fund shareholder an investment management fee
      that is disclosed in the fund prospectus. Discount brokerages may charge a
      transaction fee for the purchase of some funds.
      Mutual funds generally charge a management fee for their services as investment
      managers. These fees are separate and in addition to the fees paid to
      Timberchase.

Types of Clients

Descriptions
      Timberchase generally provides investment advice to individuals, high-net worth
      individuals, and may on occasion provide advice for pension and profit-sharing
      plans, trusts, estates, or charitable organizations.
      Client relationships vary in scope and length of service.
Minimums
      We do not have an asset minimum.

Methods of Analysis, Investment Strategies and Risk Loss