VIMA LLC

Item 5: Fees and Compensation

The firm charges a management fee ranging between 0.1% and 2.5% of total assets under
management on an annualized basis. The fee structure is expressed on an annualized
basis and is collected quarterly, in advance, or arrears depending on the financial advisor
you work with. Fees are directly debited from client accounts by the qualified third -
party custodian as authorized in a client’s written agreement with VIMA.

Clients who use our services for 401k only consulting (no assets directly with our
custodians) will be mailed or emailed an invoice on a quarterly basis, and can pay by
check or credit card only. The firm charges a management fee ranging between 0.1% and
2.5% of total assets under advisement and is collected quarterly, at the end of the
previous quarter. If you have assets with a custodian and you want 401k consulting
advice, you have the option of debiting the total fees within the custodial assets, or
paying by check or credit card for the 401k advice only. You cannot write a check for all
assets under management.

 The fee schedule varies by financial advisor, but no advisor can charge no more than
2.5% per year: (the following fee schedule is negotiable and gives general guidelines
only).

$1 - $250,000 = 1.5%

$250,001-$500,000=1.35%

Form ADV Part 2A/2B: Investment Adviser Brochure and Brochure Supplements            Page 4
VIMA, LLC

$500,001 - $750,000 = 1.25%

$750,001-$1,000,000 = 1%

$1,000,001+=negotiable

VIMA’s annual investment advisory fee for discretionary contracts includes both
investment management services and financial planning and consulting services. Non-
discretionary contracts include investment management services with optional financial
planning and consulting services. The firm considers these services complimentary to
providing appropriate investment management services.

VIMA also offers a fixed fee for services relationship. (You can request the Fixed Fee
Agreement contract from you Financial Advisor). You can pay for consulting advice in
lieu of moving assets directly to custodians offered (Pershing). This can come in the form
of Financial Planning, 401k advice & recommendations, debt management, or any
financial advice in general.

Where clients may incur additional expense from brokerage-based activities, clients
should be aware that all custodial and transaction fees remain separate and distinct from
those fees charged by the firm for its asset management (and the included financial
planning / consulting) services.

All fees paid to VIMA for investment advisory services are separate and distinct from the
fees and expenses charged by mutual funds to their shareholders (our clients). These fees
and expenses are described in each fund's prospectus. These fees will generally include a
management fee, other fund expenses, and a possible distribution fee. If the fund also
imposes sales charges, a client may pay an initial or deferred sales charge.

Supervised persons of VIMA may receive compensation for the sale of insurance
products in the supervised person’s separate capacity as a licensed insurance agent. When
acting in this capacity, supervised persons will receive commissions for selling insurance
and annuity products. Please refer to Item 10 – Other Financial Industry Activities and
Affiliations for disclosures related to this outside business activity as insurance agents. If
a client has purchased a fixed insurance product or annuity from a supervised person of
VIMA in the supervised person’s separate capacity as an insurance agent, the value of the
fixed insurance product or fixed annuity is not considered an asset under management for
the client’s advisory account managed by VIMA and the value of such fixed insurance
product or fixed annuity is not included in the value of Assets Under Management for the
purpose of calculating the client’s advisory fee for VIMA’s investment management
services.

Accordingly, clients should review both the fees charged by the mutual funds and the
advisory fees charged by the firm to fully appreciate the total amount of fees to be paid
by the client.

Form ADV Part 2A/2B: Investment Adviser Brochure and Brochure Supplements              Page 5
VIMA, LLC

VIMA and clients may terminate the advisory agreement, in whole or in part, at any time.
Upon termination, any fees paid in advance will be prorated to the date of termination
and any excess shall be refunded to the client.

VIMA and its supervised persons receive 50% or more of their revenue from advisory
fees charged for advisory services provided through VIMA. VIMA and its supervised
persons do not receive more than 50% of their revenue from advisory clients from
commissions and other compensation related to the sale of investment products that are
recommended to clients.

Termination of contract can be verbal or written. Termination of contract starts when we
receive an outgoing transfer from the client for money held with our custodian. 401k
consulting clients (no transfer of money to our custodian) can terminate the contract
verbally or in writing. The contract ceases the day the written or verbal request is
received by our office.

Item 7: Types of Clients

The firm provides investment advisory services to individuals and high net worth
individuals. VIMA does not require clients to maintain a minimum account size for
investment management clients. Any advisory agreement with VIMA is non-transferable
without the client’s written approval.