Asset Management Services Inc

Item 5: Fees and Compensation
  Method of Compensation and Fee Schedule
   ASSET MANAGEMENT
   Safe Harbor offers discretionary direct asset management services to advisory clients.
   Advisor charges an annual investment advisory fee based on the total assets under
   management as follows:
   Fees for accounts up to $199,999 will be charged 1.00% Annually, 0.25% quarterly.
   Once the Assets reach $200,000 the assets will be billed according to the following tiered
   fee schedule.
       Assets Under Management                Annual Fee               Quarterly Fee
              $0- $500,000                      .90%                     .1750%
        $500,001 - $10,000,000                  .50%                     .1250%
        $10,000,001 and above                 negotiable                negotiable
   Fees are calculated on a quarterly basis, in arrears, based on the market value of the
   assets managed on the last day of the quarter. No fee adjustments will be made for
   contributions or withdrawals made during the calendar quarter. Fees are usually
   debited quarterly from the client's account; however individual clients may choose to be
   billed separately, not having the fee deducted from the account.
   The percentage charged to clients is negotiated on a case-by-case basis and is dependent
   upon the level of advisory and administrative services desired as well as the market
   value of the assets being managed.
   FEE-BASED INSURANCE CONSULTING
   Fees for fee-based annuities will be billed based on the value of the contract provided by
   the insurance company as follows:
       Assets Under Management                Annual Fee               Quarterly Fee
              $0- $200,000                      1.00%                    .2500%
         Greater than $200,000                   .90%                    .1750%
   Fee-based insurance consulting advisory fees are billed quarterly in advance or in
   arrears based on the insurance carrier’s policies. Upon initial engagement and
   termination, we use a prorated calculation. Most clients will have their fees directly
   debited on a quarterly basis from the annuity which will have an adverse effect on the
   performance of the annuity. Advisor’s agreement may be terminated at any time by
   either party upon 30 day written notice to the other party. Fees will be prorated to the
   date of termination. In the event of termination of the agreement, Advisor shall have no
   obligation whatsoever to recommend any action with respect to or to liquidate the
   assets in the Account(s). Advisor’s fees shall be due and payable in connection with its
   services provided hereunder prorated through the date of such termination. For
   accounts billed in advance, refunds will be calculated based on the following formula,

                                Safe Harbor Retirement Planners

Number of Days since last billing/Number of Days in the quarter = ?% X Billed Fee =
Earned Fee. Billed fee- Earned Fee = Refund. Upon cancellation, Advisor will refund the
client by firm check or the issuance of a credit to the client account.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets as follows:
                            Fee Schedule for 3(21) services
            Plan Assets                  Annual Fee                   Quarterly Fee
         Up to $1,000,000                   .75%                        .1875%
      $1,000,001 - $5,000,000               .50%                        .1250%
     $5,000,001 - $10,000,000               .35%                        .0875%
      $10,000,000 and above                 .25%                        .0625%
For 3(38) services fees add .25% annually to the above fee schedule.
Fees are charged quarterly in arrears based on the assets as calculated by the custodian
or record keeper of the Included Assets (without adjustments for anticipated
withdrawals by Plan participants or other anticipated or scheduled transfers or
distribution of assets) on the last business day of the previous quarter. If the services to
be provided start any time other than the first day of a quarter, the fee will be prorated
based on the number of days remaining in the quarter. If this Agreement is terminated
prior to the end of the fee period, Safe Harbor shall be entitled to a prorated fee based on
the number of days during the fee period services were provided.
The compensation of Safe Harbor for the services is described in detail in Schedule A of
the ERISA Plan Agreement. The Plan is obligated to pay the fees; however, the Plan
Sponsor may elect to pay the fees. Client may elect to be billed directly or have fees
deducted from Plan Assets. Safe Harbor does not reasonably expect to receive any
additional compensation, directly or indirectly, for its services under this Agreement. If
additional compensation is received, Safe Harbor will disclose this compensation, the
services rendered, and the payer of compensation. Safe Harbor will offset the
compensation against the fees agreed upon under this Agreement.
FINANCIAL PLANNING AND CONSULTING
Financial plans are priced according to the degree of complexity associated with the
client’s situation. Prior to the planning process the client is provided an estimated plan
fee. The payments are received in two installments: one-half at the commencement of
the planning process and is refundable based on the pro-rata of work completed. The
balance is due upon delivery of completed plan. Plans will be completed inside of six (6)
months. Safe Harbor reserves the right to waive financial planning fee if plan is
implemented with Safe Harbor.
Client may cancel services within five (5) days of signing advisory agreement for a full
refund. If client cancels after the five business days, Safe Harbor is due a pro-rata of work
completed or Safe Harbor will refund the client within sixty (60) days of termination,
based on the amount of work completed.
...

Item 7: Types of Clients
  Description
   Safe Harbor primarily provides investment supervisory services to individuals and high-
   net-worth individuals. Client relationships vary in scope and length of service.
  Account Minimums
   Safe Harbor primarily provides investment supervisory services to high-net-worth
   individuals and associated trusts, estates, pension and profit-sharing plans, and other
   legal entities.

                                Safe Harbor Retirement Planners

   Generally, the minimum dollar value of assets required to set up an investment advisory
   account is $200,000. However, Safe Harbor has discretion to waive the account
   minimum. Accounts of less than $200,000 may be set up when the client and Safe Harbor
   anticipate the client will add additional funds to the accounts bringing the total to
   $200,000 within a reasonable time. Other exceptions will apply to employees of Advisor
   and their relatives, or relatives of existing clients.