Vermillion Financial Advisors Inc

Item 5 - Fees and Compensation
CLIENT can determine to engage VFA to provide non-discretionary investment advisory services on a fee basis.
                                                       FINANCIAL PLANNING AND CONSULTING SERVICES
To the extent specifically requested by a CLIENT, VFA may determine to provide financial planning and/or consulting services (including
investment and non-investment related matters, including estate planning, insurance planning, etc.) on a stand-alone fee basis. VFA’s planning
and consulting fees are as follows:
PERSONAL FINANCIAL INVENTORY AND HOURLY AGREEMENT
The current charges and payment terms for the Personal Financial Inventory and Initial Financial Planning Consultation services designated in
this agreement by the CLIENT is set forth below. CLIENT may select to pay PLANNER selecting one (or more) of the service plans below. If a
service plan is not selected, this agreement will automatically default to an hourly rate agreement, subject to minimum fees, for services rendered
under this agreement. PLANNER charges a different fee structure for each financial PLANNER level as set forth below.
A. PERSONAL FINANCIAL INVENTORY
      The CLIENT agrees to pay PLANNER the below checked flat fee to prepare a Personal Financial Inventory. An initial payment of fifty
      percent of the applicable inventory fee is due upon engagement with the balance due at the time the Personal Financial Inventory is
      presented.
                    Advisory Staff                                         Flat Fee *                 Advisory Staff               Flat Fee *
                    Personal Financial Counselor                           $3,500                     Personal Financial Advisor   $4,500
                    Senior Financial Advisor                               $6,000                     Managing Advisor             $7,750
           Note: *Flat fee is not to exceed 25 hours of PLANNER’s time. If additional hours are required, PLANNER reserve the right to charge
                                                      CLIENT the PLANNER’s prevailing hourly rates.
B. FINANCIAL PLANNING SERVICES
      HOURLY CONSULTATION - Default service option if no other service is selected.
      Hourly services will be the default payment method for any service not covered under another service plan. CLIENT shall pay PLANNER
      an hourly rate for services rendered beyond any selected service plan or if a service request is for an ancillary service.
      The below indicates the hourly fee level of all staff members. Should an advisor other than the primary advisor be required or consulted their
      fee level will apply. PLANNER reserves the right to request a retainer in advance of any hourly work.

                              Advisory Staff                                      Fee           Admin/Support Staff        Fee
                              Personal Financial Counselor                        $280          Administration             $155
                              Personal Financial Advisor                          $330          Accounting                 $180
                              Senior Financial Advisor                            $395          Technicians                $225
                              Managing Advisor                                    $475

FINANCIAL PLANNING AND CONSULTING AGREEMENT
Compensation: You may select to pay PLANNER either an hourly rate or select one of the below service plans for services rendered under this
agreement. There are five factors that determine the cost of a service plan. These factors include advisor experience, client taxable income, net
worth, applicable minimum fee, amount of time required to service client’s needs. CLIENT fee is the greater of a flat minimum fee, a percentage
of net worth (as determined by Personal Financial Inventory or other means necessary) or a percentage of total taxable income (as defined by
their most recent tax return). PLANNER reserves the right to adjust any fee upon notice on below schedule should a client’s situation require
more resources than is typical.
SERVICE PLANS FEE SCHEDULES:
A.    HOURLY CONSULTATION - Default service if no other service is selected.
      Hourly Rates: CLIENT may elect to pay PLANNER for services on an hourly basis for services rendered subject to PLANNER’S
      minimum hourly rate. PLANNER charges a different hourly rate for each financial advisor level. If no service plan(s) have been
      accepted below the default service plan for CLIENT shall be provided on an hourly basis.

                                Advisory Staff                                      Fee          Admin/Support Staff        Fee
                                Personal Financial Counselor                        $280         Administration             $155
                                Personal Financial Advisor                          $330         Accounting                 $180
                                Senior Financial Advisor                            $395         Technicians                $225
                                Managing Advisor                                    $475

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      Note: Each request for a financial analysis on an hourly service plan will be subject to a 3-hour minimum of billable time at the primary
                                                               advisor’s hourly rate.
B.    SERVICE PLAN FEES
      Service plan fees consider a minimum fee, the service level of the primary planner, a client’s desired appointment frequency, gross income
      and net worth. The larger a client’s income and net worth the more complicated and complex the financial planning and the more resources a
...

Item 7 - Types of CLIENTs
VFA’s CLIENTs shall generally include individuals, pension and profit-sharing plans, business entities, trusts, estates and charitable
organizations. VFA generally requires a $500 minimum monthly fee for investment advisory services. The VFA, in its sole discretion, may
reduce its investment management fee and/or reduce or waive its minimum monthly fee requirement based upon certain criteria (i.e. anticipated
future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition,
negotiations with CLIENT, etc.).