Abbington Investment Group LLC

Item 5:       Fees and Compensation

      A.      Fees Charged

      All investment management clients will be required to execute an Investment Management Agreement that
      will describe the type of management services to be provided and the fees, among other items. Clients are
      advised that they may pay fees that are higher or lower than fees they may pay another advisor for the same
      services and may pay lower fees for comparable services from other sources. Clients are under no obligation
      at any time to engage or to continue to engage, Abbington for investment services.

      Asset Management

      Generally, fees vary from 0.60% to 1.50% per annum of the market value of a client’s assets managed by
      Abbington. The fee range stated is a guide. Fees are negotiable and may be higher or lower than this range,
      based on the nature of the account. Factors affecting fee percentages include the size of the account, the
      complexity of asset structures, and other factors. As discussed in Item 4, larger clients may be serviced using
      a variety of approaches and therefore fees for such engagements will be based on negotiations with the
      specific client.

      All clients, but especially those with smaller accounts, should be advised they may receive similar services
      from other professionals for higher or lower overall costs.

      B.      Fee Payment

      Asset Management:

      Investment advisory fees will be debited directly from each client’s account for all accounts held at Fidelity.
      The advisory fee is paid monthly, in arrears, and the value used for the fee calculation is the net value as of
      the last market day of the previous month. This means that if your annual fee is 1.00%, then each month we

      will multiply the value of your account by 1.00% and then divide by the number of days in the year (365 or
      366) multiplied by the days in that month to calculate our fee. Once the calculation is made, we will instruct
      the custodians to deduct the fee from your account and remit it to Abbington.

      The value used to calculate Abbington’s fee will include any allocation to cash or cash-like instruments, such
      as money market funds or accounts, of the client’s investable assets. Investable cash means cash that is in
      client accounts as an asset allocation. Cash that is not in investable cash is cash that has been identified by
      the client as designated for a specific purpose.

      Clients will provide written authorization to debit advisory fees from their accounts held by a qualified
      custodian chosen by the client. The client will receive a statement from their account custodian showing all
      transactions in their account, including the fee.

      C.      Other Fees

      There are a number of other fees that can be associated with holding and investing in securities. You will be
      responsible for fees including transaction fees for the purchase or sale of a mutual fund or Exchange Traded
      Fund, or commissions for the purchase or sale of a stock. Expenses of a fund will not be included in
      management fees, as they are deducted from the value of the shares by the mutual fund manager. For a
      complete discussion of expenses related to each mutual fund, you should read a copy of the prospectus issued
      by that fund. Abbington can provide or direct you to a copy of the prospectus for any fund that we recommend
      to you.

      Please make sure to read Item 12 of this informational brochure, where we discuss broker-dealer and custodial
      issues.

      D.      Pro-rata Fees

      If you become a client during a month, you will pay a management fee for the number of days left in that
      month. If you terminate our relationship during a month, you will be entitled to a refund of any management
      fees for the remainder of the month. Once your notice of termination is received, we will assess pro-rated
      fees for the number of days between the end of the prior billing period and the date of termination to be paid
      in whatever way you direct (check, wire). Abbington will cease to perform services, including processing
      trades and distributions, upon termination. Assets not transferred from terminated accounts within 30 (thirty)
      days of termination may be “de-linked”, meaning they will no longer be visible to Abbington and will become
      a retail account with the custodian.

      E.      Compensation for the Sale of Securities.

      This item is not applicable.

Item 7:       Types of Clients

      Clients advised may include individuals, families, trusts, charitable organizations and foundations, pensions,
      institutional investors, and corporations. Abbington requires each client to place at least $3,000,000 with the
      firm for the discretionary program. This minimum may be waived at the discretion of Abbington.