Cambridge Advisors Inc

Item 5 – Fees and Compensation

The fee for the management of an account will be 0.25 of 1% per quarter of the market value.
Fees for an account over two million dollars in size may be negotiated to meet particular needs

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or services on an individual account basis. Fees for charitable accounts and for families with
multiple accounts also may be negotiable or discounted.

Fees for investment management are due in advance and are collected at the beginning of each
quarter. New accounts initiated during the quarter or with significant inflows will be charged a
prorated fee for the quarter. Fees are normally deducted from the client’s account unless other
arrangements are made. The client provides authorization for this on the account application.

This Agreement may be terminated at any time by either party. In the event of termination,
Advisor will refund a pro-rata portion of the prepaid management fees based on the number of
days remaining in the calendar quarter subject to a de minimus amount (less than $10). The
refund will be issued within 30 days of the end of the quarter.

Cambridge Advisors Inc.’s fees are exclusive of brokerage commissions, transaction fees, and
other related costs and expenses which shall be incurred by the client. Clients may incur
certain charges imposed by custodians, brokers, and other third parties such as fees charged by
managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire
transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Mutual funds and exchange traded funds also charge internal management fees,
which are disclosed in the fund’s prospectus. An annuity may also include an insurance fee.
Such charges, fees and commissions are in addition to Cambridge Advisors Inc.’s fees, and
Cambridge Advisors Inc. shall not receive any portion of these commissions, fees and costs.
The fee for the management of an account will include the safekeeping fee if Cambridge
Advisors Inc. selects the custodian. Item 12 further describes the factors that Cambridge
Advisors Inc. considers in selecting or recommending broker-dealers for client transactions and
determining the reasonableness of their compensation (or, commissions).

Fees for retirement plan services will be determined based upon the complexity of the plan, the size
of the plan assets, the actual services requested, the representative providing the services, the number
of plan participants and the potential for additional deposits. The advisor also takes into
consideration special situations or conflicts of interest where charging a fee to the client is prohibited
under ERISA laws.

The specific annual fee for retirement plan services will be disclosed in the Qualified Retirement
Plan Agreement and based on the total market value of the plan assets (excluding self-directed
brokerage accounts and securities of the sponsor of the Plan). Fees will be charged in one of two
options: 1) directly billed quarterly in advance or 2) fee deduction quarterly in arrears. Each
client’s fee billing option will be disclosed in the Qualified Retirement Plan Agreement. (See the
Qualified Retirement Plan Agreement for additional detailed information about retirement plan
services and fees.

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       Direct Bill Quarterly in Advance
       If a retirement plan elects the Direct Bill Quarterly in Advance option, the retirement plan
       will be charged an annual fee divided by four into quarterly payments. Under this option, the
       advisor’s Retirement Plan Services fees are billed in advance (at the start of the quarter) on a
       calendar basis and calculated by multiplying one-fourth (1/4) of the annual fee for Retirement
       Plan Services by the fair market value of the Plan’s assets (excluding securities of the
       sponsor of the Plan) on the last day of the preceding quarter. Fees are prorated based on the
       number of days service is provided. An advisor or a third-party service provider will send a
       detailed billing invoice to retirement plan for each billing period. Fees for the advisor's
       services will be due within thirty (30) days after the client's receipt of the billing invoice.

       Fee Deduction Quarterly in Arrears
       If a retirement plan elects the Fee Deduction Quarterly in Arrears option, the retirement
       plan will be charged an annual fee divided into quarterly payments. Under this option, the
       advisor’s Retirement Plan Services fees are billed in arrears (at the end of the billing
       period) on a quarterly calendar basis and calculated by multiplying one-fourth (1/4) of the
       annual fee by the value of the Plan’s assets (excluding self-directed brokerage accounts and
       securities of the sponsor of the Plan) for the calendar quarter. The value of the Plan’s assets
       for the calendar quarter will be determined by averaging the value of the Plan as of the last
       day of the preceding calendar quarter and the last day of each month falling within the
       current calendar quarter. Fees are prorated (based on the number of months that any
       service is provided during the billing period) for an account opened at any time other than
       the beginning of the calendar quarter or closed at any time other than the last day of the
       calendar quarter. Retirement plan hereby authorizes the Plan custodian to deduct the
       advisor’s Retirement Plan Services Fee and to direct such fee to the advisor. Fees for
       billing periods will be prorated based on the number of days that services were provided
       during the billing period. If necessary, retirement plan agrees to complete separate forms
...

Item 7 – Types of Clients

Cambridge Advisors Inc. provides investment advisory services to individuals and their families,
retirement plans and not-for-profit organizations. Our stated investment minimum for new
clients is $500,000 but may be waived by the portfolio manager at their discretion with approval
by an Officer. This minimum is across the client relationship and not for each account. For
example, a husband may have a $200,000 brokerage account, an IRA of $500,000 and his wife
may have a small IRA of $20,000. The investment minimum would be met because the total
investable assets of $720,000 is above the $500,000 minimum. There is no investment minimum
for stand-alone financial planning services.

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