Archambo Financial Advisors Inc

Item 5        Fees and Compensation

                            INVESTMENT SUPERVISORY SERVICES ("ISS")
                            INDIVIDUAL PORTFOLIO MANAGEMENT FEES

Our annual fees for Investment Supervisory Services are based upon a percentage of assets under
management and generally range from 1.00% to 0.60%.

The annualized fee for Investment Supervisory Services are charged as a percentage of assets under
management, according to the following schedule:
            Assets Under Management                                       Annual Rate
                 $1,000,000 or less                                          1.00%
            $1,000,000.01 to $2,000,000                                      0.80%
                 Above $2,000,000                                            0.60%

Archambo Financial Advisors, Inc. may impose a minimum fee of $500 per year.

The quarterly fee is calculated as portfolio asset value times the annual rate, divided by the number of
days in the year, then multiplied times the number of days in the quarter (QAVxAR/DIYxDIQ) Partial
quarters will be pro-rated. When clients have multiple accounts, all accounts are totaled based on their
end of quarter balance and the total of all accounts is applied to their annual fee structure. The total
quarterly fee is then prorated to each of their accounts based on the account’s percentage of the total
assets.

As AFA offers recommendations for investment in mutual funds, it is sometimes necessary to switch
fund families and/or classes of funds to achieve recommended asset allocation and client objectives.
There may be occasions where the Client has previously paid a sales charge or could incur a sales charge
on redemption of previously purchased shares or could possibly incur sales charges when shares are
purchased in another fund company.

Investors holding mutual funds in their portfolio are subject to the management fees charged by any
investment company mutual funds held in their portfolio. This fee is separate and distinct from the AFA
advisory fee and is paid from the mutual funds' assets directly to the fund's advisor. AFA does not
receive any portion of a mutual fund's investment management fee. Investment management fees vary
for each fund held by client and is fully disclosed in each fund's prospectus. Investors must factor
investment management fees charged by any mutual funds held in their portfolio into their overall
determination of total annual cost of their investment program.

Limited Negotiability of Advisory Fees: Although Archambo Financial Advisors, Inc. has established the
aforementioned fee schedule(s), we retain the discretion to negotiate alternative fees on a client-by-
client basis. Client facts, circumstances and needs are considered in determining the fee schedule. These
include the complexity of the client, assets to be placed under management, anticipated future
additional assets; related accounts; portfolio style, account composition, reports, among other factors.
The specific annual fee schedule is identified in the contract between the adviser and each client.

We may group certain related client accounts for the purposes of achieving the minimum account size
requirements and determining the annualized fee.

Discounts, not generally available to our advisory clients, may be offered to family members and friends
of associated persons of our firm.

                                      FINANCIAL PLANNING FEES

Archambo Financial Advisors, Inc.'s Financial Planning fee is determined based on the nature of the
services being provided and the complexity of each client's circumstances. All fees are agreed upon prior
to entering into a contract with any client.

Our Financial Planning fees are calculated and charged on an hourly basis, ranging from $200 per hour.
Although the length of time it will take to provide a Financial Plan will depend on each client's personal
situation, we will provide an estimate for the total hours at the start of the advisory relationship.

We may request a retainer upon completion of our initial fact-finding session with the client; however,
advance payment will never exceed $500 for work that will not be completed within six months. The
balance is due upon completion of the plan.

                                         GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be canceled at any time, by either
party, for any reason upon receipt of 30 days written notice. As disclosed above, certain fees are paid in
advance of services provided.] Upon termination of any account, any prepaid, unearned fees will be
promptly refunded. In calculating a client's reimbursement of fees, we will pro rate the reimbursement
according to the number of days remaining in the billing period.

Mutual Fund Fees: All fees paid to Archambo Financial Advisors, Inc. for investment advisory services
are separate and distinct from the fees and expenses charged by mutual funds and/or ETFs to their
shareholders. These fees and expenses are described in each fund's prospectus. These fees will generally
include a management fee, other fund expenses, and a possible distribution fee. If the fund also imposes
sales charges, a client may pay an initial or deferred sales charge. A client could invest in a mutual fund
directly, without our services. In that case, the client would not receive the services provided by our firm
which are designed, among other things, to assist the client in determining which mutual fund or funds
are most appropriate to each client's financial condition and objectives. Accordingly, the client should
review both the fees charged by the funds and our fees to fully understand the total amount of fees to
be paid by the client and to thereby evaluate the advisory services being provided.

Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible for the fees
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Item 7        Types of Clients

Archambo Financial Advisors, Inc. provides advisory services to the following types of clients:

       Individuals (other than high net worth individuals)
       High net worth individuals