---

As an FIS client you will receive the following services:

• Preparation of your unique Investment Plan, including modeling cash flows, retirement planning, and retirement income projections.
• Maintenance of the Investment Plan for those assets managed by FIS.
• Establishment and coordination of accounts at Charles Schwab & Co., and related asset transfers.
• Coordination of retirement plan-to-IRA rollovers.
• Active portfolio management for assets under FIS’ limited discretionary authority.
• Quarterly performance reviews.
• Monthly statements provided by Charles Schwab & Co.
• Trade confirmations provided by Charles Schwab & Co.
• As requested, provision of preliminary tax information (e.g., realized and unrealized gains, taxable interest, and dividends) for client’s tax planning.
• As requested, implementation of cost and tax efficient liquidations for unanticipated cash flow needs.
• Periodic meetings – typically annually – to review and update your Investment Plan.
• As requested, consultation and recommendations for cash flow strategies.
• As requested, implementation of cash flow strategies for planned cash flow needs.
• Coordination with your attorney, accountant, and/or insurance agent.

---