Brick Capital Management Inc

5.      Fees and Compensation

Brick Capital Management's standard annual fee, which is based on the total investment portfolio
size, is shown in the following Fee Schedule:

                   Total Portfolio Size               Annual Fee
                   Up to $20 Million                  $10,000
                   $20 - $30 Million                  $12,500
                   $30 - $40 Million                  $15,000
                   $40 - $50 Million                  $17,500
                   Over $50 Million                   Negotiable

The fixed fee arrangements are negotiable and will be determined on the basis of the amount and
composition of the assets under management. The fee negotiated between Brick Capital
Management and each client will vary according to the nature of the investments and services
provided the client. The fixed fee is subject to review on an annual basis.

We bill clients quarterly after the end of the calendar quarter for services performed during the
completed quarter. Payment is due within 15 days of the end of each calendar quarter.

Brick Capital Management or the clients may terminate the advisory relationship by providing 30
days' notice in writing. To the extent an advisory relationship is terminated by either party the fee
will be prorated.

Our fees do not include additional fees which may be incurred for the implementation of securities
transactions or custodial fees. See "Brokerage Practices" beginning on page 15 of this brochure
for additional information. Further, in cases where a client owns mutual funds, the client may pay
two levels of management fees: one to Brick Capital Management and one to the company issuing
the security. Also, our fees do not include additional charges that may be incurred if clients choose
to use a third party for investment accounting. We will consider such fees prior to recommending
a client invest in any products which would result in the client paying additional fees.

The services we offer may be available from other vendors at higher or lower fees.

Upon request, a separate fee can be quoted for periodic ALM and Historical Key Ratios Reports
or for the purchase of the CU/ALM-ware Asset-Liability Management System’s license from
Brick & Associates, an affiliated ALM consulting firm.

REINHART\6291824                                                                          Page 6 of 22

BRICK CAPITAL MANAGEMENT, INC.
BROCHURE

7.      Types of Clients

We only provide financial advisory and investment management services to credit unions and we
do not require a minimum account size to open and maintain an account.

REINHART\6291824                                                                  Page 8 of 22

BRICK CAPITAL MANAGEMENT, INC.
BROCHURE