Fees are negotiable and are discussed and agreed upon with clients prior to the beginning of services. The following is RS Crum, Inc’s standard tiered fee schedule applied as a percentage of assets under management (AUM).

This schedule may be discounted depending on several factors, including but not limited to, the scope and complexity of the services provided, the total value of assets managed, the number of accounts and/or the individual needs of the client. Discounts may take the form of a lower starting annual percentage and/or amended AUM break points. Effective AUM rates (the rate paid on your total AUM) range from 0.4% – 1.00% of assets under management (AUM) annually. Accounts may also be subject to a minimum quarterly fee. For some legacy clients, RS Crum, Inc. has applied either a fixed or flat fee (retainer) or a different Annual Percentage of AUM schedule than described above. These fee schedules are documented in the

respective clients’ written Advisory Agreement and may still be in effect for these clients. The specific manner and frequency fees are charged is established in a client’s written Advisory Agreement. The Firm will generally bill fees quarterly, in advance, based on the market value of assets in the account on the last business day of the previous quarter. The Firm has used a monthly billing frequency in the past and some legacy clients remain on that cycle. Each client’s specific fee schedule is documented in the written Advisory Agreement. For the majority of clients, RS Crum, Inc. accepts the authority to bill (debit) client account(s) directly for fees. Clients receive an informational invoice prior to fees being debited. Normally, fees are withdrawn within ten (10) business days after the invoice date. The account custodian withdraws advisory fees from the client’s account based on our instruction, as outlined in our Advisory Agreement. All clients will receive brokerage statements from the custodian no less frequently than quarterly that will show the deduction of the advisory fee. RS Crum, Inc. will send an invoice to all clients who choose not to have advisory fees withdrawn directly from their custodian account and clients can pay management fees by check. The invoice is payable upon receipt and will include the fee calculation and amount due. Some employees are compensated through an annual salary with bonuses. For some employees, a bonus is based on the amount of a client’s first year fee. This creates an incentive to charge a higher fee and/or manage more of a client’s assets. RS Crum, Inc.’s fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses, which shall be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, third party investment providers and other parties such as fees charged by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual funds and exchange traded funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such charges, fees, and commissions are exclusive of and in addition to RS Crum, Inc.’s fee. RS Crum, Inc. does not receive any portion of these commissions, fees, and costs. Later in this brochure, Item 12 – Brokerage Practices further describes the factors that RS Crum, Inc. considers in selecting or recommending broker-dealers for client transactions and determining the reasonableness of their compensation (e.g., commissions).

Cancellation of Services (Limited Duration or Continuous)

Services can be cancelled by either party at any time without penalty by written notice. Clients shall be charged pro rata for services provided through the date of termination. If the client made an advance

payment, RS Crum, Inc. will refund any unearned portion of the advanced payment.