American Financial Advisors Inc

Item 5 - FEES AND COMPENSATION

Asset Management Services
A. Fees are negotiable and are not based on a share of capital gains upon or capital appreciation of
     the funds or any portion of the funds. Client fees may be lower than the standard fee schedules.

     You may make additional deposits to the Account or make partial withdrawals from the Account.
     You are advised that withdrawals to the account can affect American Financial’s ability to
     manage the account due to reduced ability to adequately diversify the account, smaller accounts
     may be impacted more by market shifts, and distortion in the allocation of the assets in the
     Account. Further, withdrawals may distort the asset allocation and impact the performance of
     the account. Additional assets of $10,000 (based on a lump sum deposit) or more deposited into
     the Account after it is opened will be charged a pro-rata fee based upon the number of days
     remaining in the then current calendar quarter. Alternatively, partial withdrawals in lump sums
     of $10,000 or more from an account will result in a fee credit being applied to the next quarter’s
     fee calculation. No fee adjustments will be made for Account appreciation or depreciation.

     American Financial aggregates or households your managed accounts together to determine your
     quarterly fee. American Financial may change the fee schedule below upon 30-days prior written
     notice to you.

     Our Fee Schedule
                         Account Size                           Annual Fee
             $0 to $1,000,000                                     1.08%
             $1,000,001 to $2,000,000                             0.88%
             $2,000,001 to $5,000,000                             0.73%
             $5,000,001 and above                                 0.58%

     Additionally, if you have assets that are held in the managed account but are excluded from the
     AFAdvantage Account Agreement or if you have assets for which you have requested American
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                                  American Financial Advisors, Inc.

     Financial to include in reports, such assets will not be managed, monitored or subject to oversight
     of American Financial. American Financial’s services will be limited to providing administration
     to execute a transaction specifically requested and/or to include such assets on a report for a
     consolidated view.

B.   Advisory fees will generally be collected directly from your account, provided you have given
     American Financial written authorization. You will be provided with an account statement
     reflecting the deduction of the advisory fee direct from the account custodian. If the Account
     does not contain sufficient funds to pay advisory fees, American Financial has limited authority
     to sell or redeem securities in sufficient amounts to pay advisory fees. You may reimburse the
     account for advisory fees paid to American Financial, except for ERISA and IRA accounts.

C.   In addition to the advisory fees above, you may pay fees for custodial services, account
     maintenance fees, transaction fees, and other fees associated with maintaining the account.
     American Financial does not share in any portion of such fees.

D.   Advisory fees will be charged in advance on a calendar quarterly basis. The initial fee calculation
     will begin upon receipt of all new account paperwork including but not limited to the
     AFAdvantage Agreement, Charles Schwab new account form, and the funding of the account.
     The initial fee will be prorated based on the number of days remaining in the calendar quarter
     and will be billed at the time of the next quarterly billing. Thereafter, advisory fees will be due
     and assessed at the beginning of each calendar quarter based on the value of the account under
     management as of the close of business on the last business day of the preceding calendar quarter.

     You may purchase the securities recommended by American Financial directly or through other
     brokers or agents not affiliated with American Financial. If you select another broker firm for
     custodial and/or brokerage services, you will not be able to receive asset management services
     from American Financial.

Termination Provisions
You may terminate investment advisory services obtained from American Financial, without penalty,
upon written notice within five (5) business days after entering into the advisory agreement with
American Financial. You will be responsible for any fees and charges incurred from third parties as
a result of maintaining the Account such as transaction fees for any securities transactions executed
and Account maintenance or custodial fees. Any advisory fees paid to American Financial will be
refunded on the basis of prorating the fees for services that have not been performed. Thereafter, you
may terminate investment advisory upon written notice to American Financial. Fees will continue to
accrue until the termination of the account which occurs when American Financial is removed from
the account by Charles Schwab at the request of the client or when funds are transferred out of the
account. Should you terminate investment advisory services during a quarter which would result in
your forfeiting prepaid fees, you will be entitled to a prorated refund of any prepaid quarterly advisory
fee based upon the number of days remaining in the quarter after the termination date. Refunded fees
will be processed during the billing cycle for the following calendar quarter.

Periods of Portfolio Inactivity
The firm has a fiduciary duty to provide services consistent with the client’s best interest. As part of
its investment advisory services, the firm will review client portfolios on an ongoing basis to determine
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Item 7 - TYPES OF CLIENTS
American Financial’s services are geared toward clients who are high net worth (i.e. clients with a net
worth of $1,000,000) and clients who are other than high net worth, as well as retirement accounts,
trust accounts and private foundations.