Wallick Investments LLC

5. Investment Management Fees and Compensation

A.       Wallick Investments’ fees for investment management are a percentage of a client’s assets
         under management. The percentage is based on a client’s risk tolerance and assets under
         management. Wallick Investments can add greater value to portfolios weighted more
         heavily towards equities. Following is the Wallick Investments’ maximum fee schedule.

     Assets        Aggressive   Moderately   Moderate     Conservative      Very        401K Plans
     Managed                    Aggressive   Balanced                    Conservative
                                 Growth                                   Defensive
     <$250,000       1.40%        1.40%       1.40%          1.35%         1.30%        Portfolios of
                                                                                          funds or
     $250,000-       1.25%        1.20%       1.15%          1.10%         1.05%         ETFs .60%
     499,999

     $500,000-       1.00%        .95%        .90%           .85%           .80%         Individual
     999,999                                                                            fund or ETF
                                                                                        .35%

      >$1,000,000       .80%       .75%         .70%         .65%            .60%

     Fees may be negotiable. Clients who joined Wallick Investments before August 2022 received a
     discount to offset licensing fee Wallick Investments receives associated with Inspire’s EFT FDLS.

The associated advisory fees are charged quarterly in advance and are based upon assets under
management. The first billing will occur within the first 30 days of signing the client agreement. If a
written request to terminate the client agreement is received, Wallick Investments will issue a pro-rated
refund for the remainder of that quarter.

B.        In addition to quarterly Wallick Investments advisory fees, clients will also incur brokerage
          and custodian fees. For clients using FOLIOfn/Goldman Sachs brokerage and custodian
          services, the related fee schedule is as follows:

 Fee as a % of           On assets (per client) above:              Up to and including assets
 assets                                                             (per client) of:
 .15%                    $0.01                                      $250,000.00
 .12%                    $250,000 .01                               $500,000.00
 .10%                    $500,000.01                                $1,000,000.00
 .07%                    $1,000,000.01                              $5,000,000.00
 .05%                    $5,000,000.01                              $10,000,000.00
 .03%                    $10,000,000.01                              On Up

All clients using FOLIOfn/Goldman Sachs Investments for brokerage services will have fees
deducted directly from their accounts. FOLIOfn/Goldman Sachs billing notices go out approximately
10 days in advance. Clients not using FOLIOfn/Goldman Sachs will have their fees calculated by
Wallick Investments and directly deducted from their accounts. At the client’s request, Wallick
Investments will invoice the client. Fees are deducted and invoices are sent on a quarterly basis.

C.        Clients using Charles Schwab as their custodian may incur trading fees. (Please see custodial
          agreement).

D.        When Wallick Investments purchases mutual funds or exchange traded funds for a client’s
          portfolio, the client will incur the associated management fees. These fees are deducted
          directly from the reported value of the funds. Please see section 12 for additional brokerage
          related information.

E.        Wallick Investments receives a licensing fee of .15% for assets allocated to the Inspire Fidelis
          Multi-Factor ETF (NYSE ticker: FDLS). This ETF is charged with replicating Wallick
          Investments’ Fidelis Multi-Factor Index.

F.        Investment Advisement fees
          Maximum of .75% of investable assets. The is no minimum asset level, however there is a
          minimum fee of $500. This fee could be one-time or ongoing. Under this agreement, Wallick
          Investments, LLC will provide advice, but clients will be responsible for implementing,

        including establishing accounts and making recommended suggestions within their own
        accounts.

7. Types of Clients

Wallick Investments offers our services to individuals, trusts, pensions, endowments, foundations
and other non-affiliated advisors and institutions. The minimum account size for continuous
investment advisory services is $200,000.