Allen Capital Management LLC

Item 5 – Fees and Compensation
A        We are a fee-only advisory firm, meaning we are compensated only by our clients
         and do not receive compensation or commissions from any other parties. We
         believe this method of compensation minimizes conflicts of interest.

         For accounts managed under the Investment Advisory Agreement, Clients pay a
         Fee monthly in arrear, calculated in accordance with fees set-forth in “Schedule A”
         of the Investment Advisory Agreement (“IAA”) which is entered with each Client
         when we begin our professional relationship. Fees are deducted from the account

within 10 days from the end of the prior month end. The Fee will be equal to the
respective percentage per annum below based on the market value of the Account
on the last trading day of the previous month. We reserve the right to amend the
fees set forth in Schedule A of the IAA upon 30-days prior written notice to each
Client.

STANDARD FEE SCHEDULE

                                   Schedule A

      Assets Under Management               Maximum Annual Fee

      Under $2,000,000                      1.00%
      $2,000,001 – $6,000,000               .80%
      More than $6,000,00                   .55%

        *$5000 minimum annual fee

For purposes of determining value, securities, mutual funds, and other instruments
traded on a market for which actual transaction prices are publicly reported shall
be valued at the last reported sale price on the principal market in which they are
traded.

Our fees for asset management and consulting services may be paid directly to us
from the account by the custodian holding a Client’s assets upon submission of an
invoice to the custodian showing the amount of fees to be deducted. Payment of
fees may result in the liquidation of Client’s securities if there is insufficient cash in
the account. Clients bear the responsibility for verifying the accuracy of fee
calculations.

In certain circumstances, our standard fees may be negotiable.

For clients that also have accounts with Allen Trust Company, the fee rate and
breakpoints for investment management accounts are the same. Accounts values
with both institutions will be aggregated for the application of the above fee
schedule’s benefit of scale. The resulting percentage fee is then applied to the
respective accounts. Otherwise, fees for services which are not performed by ACM
for trust company services, real property management, and other services of ATC
are subject to separate fee arrangements.

C     Clients may be required to pay mutual fund fees and charges, brokerage
      commissions, stock transfer fees. These and other similar charges incurred in
      connection with transactions for the account will be paid out of the assets in the
      account and are in addition to the investment management fees paid to us.

D     The Investment Advisory Agreement may be terminated at any time by either
      party by written notice to the other party as set in the Investment Advisory
      Agreement. The market value of the assets will be construed to equal the sum of
      the values of all assets in the account, adjusted by any margin debit. Fees for partial
      months at the commencement of this Agreement will be billed or on a pro-rated
      basis contingent on the number of days the account was open during the month.
      Monthly fee adjustments for additional assets received into the account during a
      month or for partial withdrawals will also be provided on the above pro rata basis.
      Accounts terminating within the first month will be charged a full month fee.

E     We are a fee-only investment advisory firm paid on a percentage of Client assets
      managed. We accept no commissions, or other hidden costs often associated with
      the money management industry.

Item 7 – Types of Clients
ALLEN CAPITAL MANAGEMENT provides portfolio management services to
individuals, high net worth individuals, corporate pension and profit-sharing plans,
charitable institutions, foundations, and endowments.